Income Cover Insurance | Cigna New Zealand

Cover tailored to your needs

We offer four types of Income Cover that allows you to choose the type which best suits your needs and budget.

You can apply for a sum insured based up to 75% of your annual income, to a maximum of $25,000 per month ($20,000 for Agreed Value)

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Cover you can trust

We've been operating in New Zealand for over 100 years, and now protect more than 450,000 New Zealanders with our insurance policies.

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What you need to know

If you had an accident or became ill and could no longer work, your groceries, power bills, fuel and your rent or mortgage still need to be paid. Cigna can help make sure your family’s everyday essentials are still covered with income cover insurance.

What's included

Available to those aged 16 – 55 (maximum age of 60 for occupation class 1 & 2)
Receive a monthly benefit to compensate your lost income while you’re disabled due to an injury or illness
Comprehensive cover with built-in benefits to assist you during your recovery and your process of returning to work.
A range of additional optional benefits to enhance your cover to tailor it to your needs
Includes access to our Cigna Client Benefits which offers a range of additional services

What's excluded

Intentional self-harm including attempted suicide
Taking part in a criminal activity
Pregnancy or complications resulting from pregnancy, unless the disability lasts more than 90 days after the pregnancy
Failure to comply with the advice and treatment recommended by an appropriate medical practitioner

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We are currently not accepting new applications for Redundancy Cover. You can still apply for Income Cover

A-Rated for our financial strength by A.M Best Company Inc

Cigna Life Insurance NZ Limited ("Cigna") has an A (Excellent) financial strength rating which was given by A.M Best Company Inc.

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SECURE

A++ A+

Superior

B++ B+

Good

A A-

Excellent

VUNERABLE

B B-

Fair

Under regulatory Supervision

C++ C+

Marginal

Under regulatory Supervision

C C-

Weak

Suspended

Poor