Loading...
Loading...
Cigna Medical Indemnity is listed as a medical indemnity-style product. Indemnity arrangements may pay benefits according to specified policy terms rather than using the same payment structure as a conventional network health plan. Do not assume that every medical bill will be paid in full. Check the schedule of benefits, covered services, exclusions and any applicable limits. Confirm whether the specific product is comprehensive medical coverage or supplemental coverage before comparing it with other health plans.
Provider choice without standard network restrictions, subject to policy terms and claim requirements
Carefully verify the product type, benefit schedule, coverage limits, exclusions and payment rules. The exact contract determines what is payable.
Cigna Healthcare
Key Insights
Founded
1982
Cigna Healthcare was established 44 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
0% CSR, calculated as a 3-year average
Cigna Healthcare settles 0% of all claims it receives.
Network Hospitals
6,400+
Cigna Healthcare has a network of 6,400+ hospitals, ensuring wide accessibility and convenience for policyholders.
Members can generally choose any licensed healthcare provider or facility for services covered by the indemnity policy.
Coverage and reimbursement remain subject to the policy terms.
The indemnity design does not require members to use a designated medical provider network.
Providers participating in the savings program may offer cost savings.
Referrals to specialists are generally not required under the indemnity design.
Pre-certification may still apply to specified services.
Members or covered dependents may need to file claims to obtain reimbursement for covered healthcare expenses.
Keep receipts, bills and supporting documentation and follow filing deadlines.
The plan includes emergency and urgent care coverage subject to the applicable policy provisions.
Confirm covered expenses, reimbursement rules and member cost-sharing.
Cigna offers supplemental accidental injury coverage through certain employer benefit programs. A separate policy may pay benefits for qualifying injuries or treatments resulting from a covered accident.
Separate optional policy; not automatically included in Cigna Medical Indemnity. Confirm availability and terms with the employer and official policy documents.
Cigna offers supplemental hospital care insurance that may pay a fixed benefit for qualifying hospital stays resulting from a covered injury or illness.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Cigna Healthcare plans and claim process
It is an employer health coverage option that generally allows members to choose licensed healthcare providers for covered services without standard network requirements.
You can generally choose any licensed provider for covered services, but payment remains subject to policy terms, eligible expenses and reimbursement limits.
Specialist referrals are generally not required, although pre-certification may apply to certain services.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Ratings and figures are based on publicly available company disclosures and state insurance department filings. Finzony is not an insurance broker or agent. Verify all details on the official Cigna Healthcare website before purchasing.
Contact Details
1-800-997-1654
Headquarters: 900 Cottage Grove Road, Bloomfield, CT 06002, United States
Official Website
cigna.com
Visit the official Cigna Healthcare website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Separate optional policy; not automatically included in Cigna Medical Indemnity. Confirm availability, eligibility and benefit terms in official policy documents.
Yes, claims may need to be filed by you or your covered dependents to obtain reimbursement for covered expenses.
There is no universal premium. Your cost depends on the employer, location and selected plan design.
No. Reimbursement depends on covered expenses, policy limits, deductibles, cost-sharing and exclusions. Check the official plan documents before receiving care.