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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. Whether we’re in Alert Level 1 or Level 4, our team across New Zealand are set up to support you from the office or from home. 

Our hours of operation remain the same and you can still continue to contact us in all the same ways you would’ve before COVID-19.

Our continued priority is the safety and wellbeing of our people, customers and wider communities as we all work together to stop the spread of COVID-19.

Got questions about how we’re dealing with COVID-19 at Cigna?

What you’re covered for depends on the policy you have. Some policies are designed to pay out if you get sick or have an accident, lose your job, or pass away – and some policies do many of these things.

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

Frequently asked questions

Will choosing to have a COVID-19 vaccine affect my cover?

No. We recognise choosing to have a vaccine is a personal decision. Whether you choose to have an approved COVID-19 vaccine or not, it will not impact your ability to claim on any policy insured by Cigna.

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 provided you meet the required claims criteria.

 

Most of our Income Cover policies have wait periods which is the period of time you need to wait until your claim may be payable. Your policy document will provide you with details on what the wait period is before any claim may be payable for your particular policy.

 

If you’re self-isolating but still healthy (not suffering from an accident or illness), you’re not able to make a claim under your Income Cover. Income Cover is designed to protect you if you have an accident or illness.

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 and you meet the required criteria to claim. 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.

I have Redundancy Cover with Cigna. Am I covered if my work has closed, 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’re 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. 

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, or notice of potential redundancy, was after your stand down period ended.

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 and we won’t exclude COVID-19 as a cause of claim. Your claim will be paid provided you fully disclosed any pre-existing conditions at the time of application and all terms and conditions have been met.

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.

Can I apply for a new policy?

We’re continuing to accept applications for new policies, however in light of the medical and financial impacts of COVID-19, we’ve made some changes to how we assess applications for underwritten products, such as Life Cover and Income Protection.

 

There may be heightened risk for people with certain occupations, employment status and underlying medical conditions. So we need to take these risks into account before we issue new policies.

 

If the policy includes redundancy cover, our assessment of the redundancy portion on the policy will be on a case-by-case basis. 

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

We’re currently able to offer redundancy cover on a case-by-case basis to people working in industries less likely to be affected by COVID-19. If we can’t approve your redundancy cover application straight away, we’ll be in touch about your options to review this in the future.

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

We have a range of options available to support customers, please get in touch with our friendly team if you’re struggling to keep up with your insurance premium payments.

 

You can find our contact details here. We’re here to help you Monday to Friday during regular business hours.

My policy has lapsed, what are my options?

If you think your policy may have lapsed, please get in touch with our friendly team to discuss the options available to you.

 

You can find our contact details here. We’re here to help you Monday to Friday during regular business hours.

I need to complete a Cigna form but I can’t print it. What should I do?

If you can’t print and sign your form, you can complete the form digitally. For security reasons, we aren’t able to accept digital signatures, so please provide proof of your signature by attaching photographic evidence of your passport or New Zealand driver’s license which displays your signature.

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

Whether we’re in Alert Level 1 or Alert Level 4, all of our business processes including customer service, claims, daily underwriting and hours of operation continue as normal. We’re all set up to work remotely from home, with our team spread out across the country.   

How financially secure is Cigna?

Cigna New Zealand is part of Cigna Corporation, we have an A (Excellent) financial strength rating which was given by A.M. Best Company Inc. This means we are financially secure (otherwise known as solvent) and have the provisions in place to deal with unprecedented situations such as the COVID-19 pandemic.

Secure

Vulnerable

A++

A+

Superior

B

B-

Fair

A

A-

Excellent

C++

C+

Marginal

B++

B+

Good

C

C-

Weak

D

Poor

E

Under regulatory Supervision

F

In Liquidation

S

Suspended

For more rating information visit: www.ambest.com/ratings/guide.pdf 

Need further information?

If you have an Adviser please contact them if you have any further questions. Otherwise get in touch with our friendly team – find our contact details here. We’re here to help you Monday to Friday during regular business hours.

 With the COVID-19 pandemic continuing to evolve please check this page regularly for any updates.