Income Protection

Why choose Cigna Income Protection


Cover designed for you

  • Regular payments to help replace lost income if you’re unable to work due to illness or injury
  • Cover that pays up to $10,000 per month
  • Select how long you have to be off work before you receive payments
  • Receive healthy living rewards, including a $100 Healthy Living bonus after a year of no claims

Affordable policies


  • Protect yourself for as little as $7 a week
  • Access to lower premiums for a longer wait period
  • 10% off your first year’s premiums*

    *Discount available until 31 August 2019

Comprehensive cover

Cover you can trust

  • If you decide within 30 days that the cover is not for you, we'll refund your premiums - no questions asked
  • If you’re made redundant your premiums can be waived for up to six months to help out. Likewise we’ll waive them while you’re on a disability claim

What you need to know

If you're unable to work due to injury or illness, 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 protection insurance. Get an instant quote


  • Available to all NZ residents aged 18-59 working for 25 or more hours a week
  • If your claim is accepted, it's up to you to decide how to use the money
  • Receive up to 75% of your income, every month you're off work - for up to 2 years
  • Choose how long Cigna makes payments for (6, 12 or 24 months). The shorter the payment term you choose, the lower your premium will be.
  • Getting covered is easy, it only takes about 5 minutes to apply

Need to know

  • For some special risk occupations, there is a maximum monthly pay out of $3,000 for a maximum period of 12 months. We recommend you read the brochure and the policy wording for full product information.
  • Claims that arise from a pre-existing condition you had in the two years before your income protection cover start date are excluded.
  • Income protection expires on the anniversary of your policy after your 65th birthday.
  • We also suggest that you talk to your tax adviser regarding the tax status of the policy premiums and benefits as they relate to you.

Full policy

We're upfront about conditions and exclusions. See the full details below:

Policy wording

We aim to pay claims as quickly as possible


Making a claim is simple.

We'll assist you with the paperwork if you need help.


We'll have a look at your claim form.

We'll get back to you if anything else is needed.


Receive payment in your bank account.

If your claim is covered by your policy, we'll pay you. No loopholes.

Why Cigna?

We’ve had Kiwis’ backs for close to a century, and protect more than 450,000 customers with simple, affordable insurance products and services.

claims process and fast payouts
for healthy living, and flexible policies that suit your life.


Is Income Protection Right For Me?

How Much Cover Do I Need?

The level of income protection cover you choose will depend on your needs. Things you'll need to consider:

  • Do you have mortgage payments to cover?

  • How about credit card bills or hire purchases?

  • Is your income covering all your regular spending such as groceries, electricity bill etc or does your spouse or partner work and contribute too?

Rating Star

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

Find out more

Rating Scale

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