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For information regarding Travel Insurance and Coronavirus please read our Travel Alert

COVID-19

At Cigna, looking out for our customers is at the heart of everything we do, and now, more than ever you can feel assured that our team will be there to support you throughout this time.

The coronavirus, also known as COVID-19, pandemic is rapidly evolving. As an essential service under the New Zealand Government’s Level 4 alert criteria, all of our business operations including customer services, daily underwriting and claims processes will continue as normal.

All of our teams are now working from home and observing physical distancing and self-isolation protocols. However, you can still continue to contact us in all the same ways you would’ve before the lockdown.

While we’re seeing increased customer demand, we’re confident that we can continue to provide essential services to our valued customers, business partners and stakeholders.


Got any questions?

Please consult the Frequently Asked Questions below in the first instance.

Got a Cigna Travel Insurance policy?


Need further information?

If you have an Adviser please contact them in the first instance if you have any further questions. Otherwise all contact information can be found here

With the COVID-19 pandemic evolving quickly we ask that you check this page regularly for any updates.

Updated as at 25/03/2020

Please read these FAQs alongside your policy documents to understand exactly what you are and aren’t covered for.

I have Income Cover with Cigna. Am I covered if I contract COVID-19 and can’t work?

If you have a policy which has Income Cover (such as Assurance Extra Income Cover or Cigna Bill Cover), you may be able to make a claim if you get sick with COVID-19 and you’re medically certified as being unable to work. Our Income Cover policies don’t have any pandemic exclusions which would stop you being able to make a claim.

To be able to claim on your policy, you’ll still need to meet all of your policy’s terms and conditions. For example, if you have a wait period of 30 days, you’ll need to wait 30 days before a claim is payable.

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I have Income Cover with Cigna. Am I covered if I have to self-isolate?

If you have a policy which has Income Cover (such as Assurance Extra Income Cover or Cigna Bill Cover), and you’re self-isolating because you’re sick and medically certified as being unable to work, you may be able to make a claim.

Most of our Income Cover policies have wait periods between when you are medically certified as unable to work due to illness or accident and when your claim may be payable. Your policy document will provide you with details on what the wait down period is before any claim maybe payable for your particular policy.

If you’re self-isolating but still healthy (therefore not medically certified to be off work or following the government isolation directive which comes into effect at 11.59pm on 25 March 2020), you’re not able to make a claim under your Income Cover. Income Cover is designed to protect you if you’re unable to work due to an accident or illness.

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I have Redundancy Cover with Cigna. Am I covered if my work has shut for now, but I haven’t been made redundant?

Redundancy Cover is designed to protect you if you’re made involuntarily redundant. It provides a benefit while you look for a new job, which usually is paid for up to 6 months, but this may vary depending on the policy you have. Please check your policy document for your specific terms and conditions.

If you are on unpaid leave, reduced hours or expect to return to your job in the future, you’re not able to make a claim under your Redundancy Cover.

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I have Life Cover with Cigna. Am I covered if I contract COVID-19 and I pass away?

If you have a policy which has Life Cover (such as Cigna LifeOne, Assurance Extra Life & Life Income Cover), your family may be able to make a claim if you get sick with COVID-19 and pass away. Our Life Cover policies don’t have any pandemic exclusions which would prevent you being able to make a claim.

To be able to claim on your policy, all your policy’s terms and conditions still need to be met. For example, if you didn’t tell us about any pre-existing medical conditions you had when you took out your policy, your family may not be able to claim if that condition contributed to your death.

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I have Funeral Cover with Cigna. Am I covered if I contract COVID-19 and I pass away?

If you’ve had your Funeral Cover for more than 24 months, your policy will cover for if you were to pass away due to COVID-19.

If you’ve had your Funeral Cover for less than 24 months, your policy’s 24 month stand-down period for death by natural causes will apply. This means we’ll refund all the premiums you paid towards your policy to your family.

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What can I do if I can’t afford my payments?

If you’re struggling to keep up with your insurance premiums, please contact our friendly team to talk about what options may be available to you.

We don’t cancel policies until at least two months of premiums have been missed, meaning coverage extends for a number of months even when premiums have been missed.

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What are you doing to make sure you are available to pay my claim if I need it?

As the COVID-19 situation continues to dominate headlines, the safety and wellbeing of our people, customers, business partners and wider communities remains our first priority.

Insurers are classified as an essential business and therefore we will continue to operate. All of our staff are now working from home, to limit any disruption to our ability to look out for our customers and continue to run our business.

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If I apply for a policy now, am I covered for redundancy?

While there’s so much uncertainty as the COVID-19 situation continues to evolve, we’ve decided that we won’t issue any new redundancy cover for the next three months. These changes are intended to be temporary and we’ll be reviewing our position on a regular basis.

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I recently took out Redundancy Cover, am I covered for redundancy?

If you already have Redundancy Cover accepted by us and in place, you’ll still be able to claim in line with the terms and conditions of your policy, provided your redundancy was after your stand-down period ended.

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