By using Cigna's websites or any Cigna products, software, mobile applications, or other electronic or web-based services (collectively referred to as the "Service"), you agree to the following terms and conditions. Your continued access or use of the Service shall be deemed your acceptance of this Legal Disclaimer. Products and Services provided on this website by Cigna are provided by the following European entities:
- Cigna Life Insurance Company of Europe S.A.- N.V. UK Branch
- Cigna Europe Insurance Company S.A.- N.V. UK Branch
- Cigna European Services (UK) Ltd
By using Cigna’s websites or any Cigna products, software, mobile applications, or other electronic or web-based services (collectively referred to as the “Service”), you agree to Cigna’s terms and conditions which can be found at www.cigna.co.uk. Your continued access or use of the Service shall be deemed your acceptance of these terms and conditions.
Regulatory information
The following insurers provided cover for UK policies:
- Cigna Life Insurance Company of Europe S.A.-N.V. UK Branch (Financial Services Register No. 202845); and
- Cigna Europe Insurance Company S.A.-N.V. UK Branch (Financial Services Register No. 207198),
whose registered address is at 13th Floor, 5 Aldermanbury Square, London EC2V 7HR. These insurers are UK Branches of the following insurers:
- Cigna Life Insurance Company of Europe S.A.-N.V. (Brussels trade register no. 0421 437 284); and
- Cigna Europe Insurance Company S.A.-N.V. (Brussels trade register no. 0474.624.562),
which are both companies registered in Belgium with limited liability at Plantin en Moretuslei 309, 2140 Antwerpen, Belgium.
The insurers are authorised and regulated by the National Bank of Belgium. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
Cigna European Services (UK) Ltd is an Appointed Representative of Cigna Life Insurance Company of Europe S.A.-N.V. UK Branch and Cigna Europe Insurance Company S.A.-N.V. UK Branch, and is registered in England (Company No. 00199739), at 13th Floor, 5 Aldermanbury Square, London EC2V 7HR. VAT registration No. 740445451.
For more information on Cigna’s European insurance companies, please also see cigna.be.
Product Descriptions (not Available in all jurisdictions)
The product descriptions, if any, provided on the Service are for informational purposes only and are subject to changes. Some products may not be available in all jurisdictions. Anyone interested in a particular product should contact their licensed agent or Cigna sales representative to determine whether the product is available in their jurisdiction and to request a copy of the applicable policy or other plan documents for a complete description of the product.
Links to Cigna Websites
A. Text Links
Cigna grants a nonexclusive, limited permission to the owners of other web sites (“Linking Site Owners”) to link to Cigna web sites using text links. Such link shall not (a) suggest that Cigna promotes or endorses any third party’s causes, web sites, products or services, or (b) be used or associated with any inflammatory, pornographic, defamatory or unlawful site or materials in any way, or in any manner that would disparage or adversely affect the name, reputation and goodwill of Cigna and its products and services.
Linking Site Owners shall indemnify, defend and hold harmless Cigna from and against all liability, demands, claims, suits, losses, damages, infringement of proprietary rights, causes of action, fines, or judgments (including costs, attorneys’ and witnesses’ fees, and expenses incident thereto), arising out of their failure to comply with the terms and conditions of this “Links to Cigna Web Sites” section.
Cigna retains and reserves all rights to its domain names, trade names, trademarks and logos, copyrights and all other intellectual property. We reserve the right to withdraw permission for any link.
B. Logo Links
Linking Site Owners who desire to link to Cigna web sites using Cigna’s “Tree of Life” logo must comply with the requirements set forth in www.cigna.co.uk, including the completion of the Linking License Application Form and execution of the Linking License Agreement.
Links to Other Sites
While using the Service, you may access certain non-Cigna websites or content. Cigna neither reviews, controls nor endorses the content and accuracy of any non-Cigna websites or other material, and therefore will not be responsible for their content and accuracy. Other websites on the Internet may contain unedited, sexually explicit, violent, racist or other types of material, which may be offensive to you. Your access to non-Cigna websites and non-Cigna content is at your sole risk.
General disclaimer
All material 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 these pages will be uninterrupted or error free. Cigna does not warrant or make any representations about the usefulness of or the expected results of the material contained on these pages. 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.
Use of files
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 site. These files may be downloaded and 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.
Cigna cannot and does not guarantee or warrant that files available for downloading from the Service are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties.
Health information
The health information on this website is provided by Cigna solely for informational purposes as a public service to promote consumer health. It does not constitute medical advice and is not intended to be a substitute for proper medical care provided by a physician. Cigna assumes no responsibility for any circumstances arising out of the use, misuse, interpretation or application of any information supplied on this site. Always consult with your doctor for appropriate examinations, treatment, testing, and care recommendations.
Do not rely on information on this site as a tool for self-diagnosis. Information on this website is provided as is without warranty of any kind, expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The information is presented without any warranty as to its reliability, accuracy, timeliness, usefulness or completeness.
The information on this site may be broader than the benefits available through your employer. Any messages, advice, opinions or other information contained in any discussion area should not be construed as professional advice or instruction. The opinions and information expressed are not necessarily those of Cigna.
Forward-looking statements
The Services may from time to time contain forward-looking statements that include information about financial prospects, plans and objectives of management for future operations, economic conditions, trends and known uncertainties. Cigna cautions the reader that actual results could differ materially from those that Cigna expects, depending on the outcome of certain factors. In some cases, Cigna describes uncertainties when offering forward-looking statements. Some factors that could cause Cigna’s actual results to differ materially from forward-looking statements (“Risk Factors”) are listed in the most recent Form 10-K or Form 10-Q Cigna filed with the Securities and Exchange Commission (SEC).
Cigna does not undertake any obligation to correct or update any forward-looking statements on the Cigna website. Cigna also cautions the reader that the list of Risk Factors that appears in the most recent Form 10-K or Form 10-Q Cigna filed with the SEC may be modified by any subsequent SEC filings, such as Form 8-K, proxy statements, and other SEC filings. Cigna will not update the Risk Factors listed in any of Cigna’s SEC filings prior to the next required SEC filing. The list of Risk Factors provided in any of Cigna’s SEC filing may not be complete, and speaks only as of the date filed with the SEC.
Trademarks
There are references throughout the Service to various trademarks or service marks and these, whether registered or not, are the property of their respective owners.
The registered marks “Cigna,” the “Tree of Life” logo and other Cigna marks are owned by Cigna Intellectual Property, Inc.
Products and services provided by Cigna Corporation and its subsidiaries. Cigna® is a registered service mark of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its subsidiaries.
Web-Enabled Mobile or Handheld Devices
Certain web and smartphone applications of the Service have been designed to run on a personal computer, standard laptop or web-enabled mobile device. If you view or use the Service on a mobile or handheld device you may experience some display and functionality limitations. You may experience varying wireless network coverage and speed, depending on your geographic location and telecommunications provider. If your mobile device uses Global Positioning System (GPS) technology, trackers, or other location tracking tools, your location information may be used for purposes of determining your location when using a function on the Service that uses such information.
While using the Service, if you allow your location information to be obtained, we will use this information solely to return your estimated location and to provide you with more personalized results and/or services. Cigna does not monitor your GPS tracking or location information, and does not save this information. We will not use this information to identify you or disclose this information to any third parties.
While using any web-enabled mobile or handheld device to use the Service, standard mobile phone carrier and data usage charges will apply.
Updates and Reverse Engineering
By using the Service, you agree to receive any applicable software updates that may be issued from time to time by Cigna. You agree to accept and install such updates as part of your use of the Service. You also agree not to reverse engineer, modify, decompile, adapt, translate, disassemble, or otherwise attempt to discover the source code of the Service and/or any Cigna application.
Limitation of liability
You agree by accessing these pages 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.
Minors
If you allow your minor child, or a child for whom you are legal guardian (a "Minor"), to access and use the Service, you agree that you will be solely responsible for: (i) the online conduct of such Minor; (ii) monitoring such Minor's access to and use of the Service; and (iii) the consequences of any use.
Except as expressly stated upon initial access to a specific Cigna application or website, or section of such application or site, the Service does not direct content to Minors and do not intend to collect personal information from Minors.
Changes and applicable law
We reserve the right to make changes to these pages and our Legal Disclaimer/Conditions of Use. We encourage you to review the site and these terms periodically for any updates or changes. Your continued access or use of these pages 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.