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Products and Services Provided by Cigna Corporation Subsidiaries

"Cigna®" is a registered service mark of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its subsidiaries. In New Zealand the Cigna Corporation subsidiary is Cigna Life Insurance New Zealand Limited, Level 25, Majestic Centre, 100 Willis Street, Wellington, New Zealand. Cigna Corporation is a holding company and is not an insurance or an operating company. Therefore, products and services are provided exclusively by subsidiaries and not by Cigna Corporation. "Cigna" may refer to Cigna Corporation itself or one or more of its subsidiaries, but when used in connection with the provision of a product or service, always refers to a subsidiary.

Product Availability

The products and services on cigna.co.nz are available in New Zealand only and are not available to any person in any other place. Although it is possible to access cigna.co.nz outside New Zealand, Cigna makes no representation that the products and services available through cigna.co.nz complies with the laws of any country outside of New Zealand. If you access this site from outside New Zealand you do so on your own responsibility and are responsible for ensuring compliance with all laws in the place where you are located.

Product Descriptions

The product descriptions, if any, provided on cigna.co.nz are not intended to constitute offers to sell or solicitations in connection with any products or services. Products are not available outside of New Zealand. Anyone interested in a particular product should contact Cigna and obtain a copy of the applicable policy wording, prospectus or investment statement for a complete description of the product.

Available Policy Wordings

On our site we have links to the current policy wordings only. If you have had your policy in place for a while the terms and conditions may differ from those in the linked policy wording on our site. If you’re unsure or have lost your policy wording please contact us to confirm the wording which applies to your policy.

Links to Other Sites

While visiting cigna.co.nz, you may leave cigna.co.nz and access certain non-Cigna websites. Cigna neither reviews nor controls the content and accuracy of these websites, and therefore will not be responsible for their content and accuracy. Your access to non-Cigna websites is at your sole risk.

Other websites on the Internet may contain unedited, sexually explicit, violent, racist or other types of material, which may be offensive to you. Please access other websites at your own discretion.

General Disclaimer

All material including any link to other sites and content found at linked sites is provided "as is" and without any express or implied warranties including warranties of merchantability or fitness for a particular purpose. Due to the nature of the Internet, Cigna does not warrant that access to cigna.co.nz or any of its pages will be uninterrupted or error free. Cigna does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on cigna.co.nz. Note that some jurisdictions may not allow the exclusion of implied warranties so some of the above exclusions may not apply to you. Please check your local laws for any such restrictions.

Viruses, Worms, Use of Files

Cigna cannot and does not guarantee or warrant that files available for downloading from this site are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Cigna does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, non-infringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will Cigna be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this Website. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate Cigna copyright holder.


There are references throughout cigna.co.nz to various trademarks or service marks and these, whether registered or not, are the property of their respective owners.

Limitation of Liability

You agree by accessing cigna.co.nz that under no circumstances or any theories of liability under international or civil, common or statutory law including but not limited to strict liability, negligence or other tort theories or contract, patent or copyright laws, will Cigna be liable for damages of any kind occurring from the use of this website or any information, goods or services obtained on this website including direct, indirect, consequential, incidental, or punitive damages (even if Cigna has been advised of the possibility of such damages), to the fullest extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages so some of these limitations may not apply to you.

Calculations and Investment Decisions

Financial calculators/calculations are provided for illustrative purposes only. You are responsible for verifying the accuracy and suitability of all assumptions and calculations. Please seek the advice of licensed and/or competent individuals before making any investment or financial planning decisions. Do not rely solely on financial calculators calculations or financial or retirement information found on cigna.co.nz

Changes and Applicable Law

We reserve the right to make changes to cigna.co.nz and our Legal Disclaimer/Conditions of Use. We encourage you to review the Web site and these terms periodically for any updates or changes. Your continued access or use of cigna.co.nz shall be deemed your acceptance of these Legal Disclaimers/Conditions of Use and any changes and the reasonableness of these standards for notice of changes. Use of cigna.co.nz and purchases of products from cigna.co.nz will be governed by and construed in accordance with the laws of New Zealand, without giving effect to its conflict of law provisions. You agree that any legal action or proceeding between you and Cigna Life Insurance New Zealand Limited will be brought exclusively in a court of competent jurisdiction sitting in New Zealand. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

Direct debit and credit card payment terms and conditions

  • Cigna is required to give a written notice of the amount and date of each direct debit in a series of direct debits no less than 2 calendar days before the date of the first direct debit in the series. The notice is to include the dates of the debits and the amount of each direct debit.

  • If Cigna proposes to change an amount or date of a direct debit specified on the notice, Cigna is required to give you notice no less than 10 calendar dates before the change.

  • I may ask my bank to reverse a direct debit up to 120 calendar days after the debit if:

    • I don’t receive a written notice of the amount and date of each direct debit from Cigna, or

    • I receive a written notice but the amount or the date of debiting is different from the amount or the date specified on the notice.

  • If the bank dishonours a direct debit but Cigna sends the direct debit again within 5 business days of the dishonour, Cigna is not required to give you a second notice of the amount and date of the direct debit.

  • All notices must be in writing, but can be delivered electronically, if I have agreed that with Cigna.

  • I can also agree with Cigna to receive a same day notice for direct debits specifically requested by me.