Find information about our legal disclaimers.
By using Cigna Healthcare's website or any Cigna Healthcare services, software, mobile applications, or other electronic or web-based services (the “Services”), you agree to the following terms and conditions. Your continued access or use of the Services shall be deemed your acceptance of this legal disclaimer.
The companies offering the Services on this website are different companies from The Cigna Group as will be indicated when applying for a particular offer.
“Cigna Healthcare” refers to The Cigna Group and/or its subsidiaries and affiliates. Products and services are provided by or through such operating subsidiaries, including, without limitation, Cigna Life Insurance Company of Europe S.A.-N.V, Cigna Europe Insurance Company S.A.-N.V, or their branches, both companies registered in Belgium at Plantin en Moretuslei 309, 2140 Antwerp, Belgium, or Cigna Global Insurance Company Limited, with registered address in Guernsey at PO Box 155, Mill Court, La Charroterie, St Peter Port, Guernsey, GY1 4ET. Cigna Life Insurance Company of Europe S.A.-N.V. and Cigna Europe Insurance Company S.A.-N.V. are subject to the prudential supervision of the National Bank of Belgium and to the supervision of the Financial Services and Markets Authority in the field of consumer protection. Cigna Global Insurance Company Limited is authorized and regulated by the Guernsey Financial Services Commission for the conduct of insurance business in Guernsey.
Certain services which are non-risk related may be provided by non-insurance entities such as Cigna International Health Services B.V., registered with the Financial Services and Markets Authority as an insurance and reinsurance broker and with registered office at Plantin en Moretuslei 299, 2140 Antwerp, Belgium; and/or, Cigna European Services (UK) Limited, having its registered office at 13th Floor 5 Aldermanbury Square, London, EC2V 7HR.
Products and services may not be available in all jurisdictions and are expressly excluded where prohibited by applicable law.
The company responsible for running and managing this website is:
Cigna European Services (UK) Limited
13th Floor
5 Aldermanbury Square
London
ECV2 7HR
For any queries or comments please refer to the contact us details shown on the site.
The company is registered in England and Wales with Companies House under 199739.
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 Healthcare does not warrant that access to these pages will be uninterrupted or error free. Cigna Healthcare does not warrant or make any representations regarding 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.
Materials and content on these pages can change as they are continually updated. Please make sure you are always using the latest version. By accessing this website you warrant that you are doing so solely for the proper purpose for which you were authorised. Cigna Healthcare does not take responsibility for improper use or any results thereof.
Cigna Healthcare reserves all property and intellectual property rights on the website and all its components.
A non-exclusive licence is granted to the user to use the website. Nevertheless, no property or other intellectual property right is transferred to the user. This licence only gives the user the right to access the contents of the website, consult the information it contains and use the Services offered on the site for its own private use.
There are references throughout the Services to various trademarks or service marks and these, whether registered or not, are the property of their respective owners.
The Cigna Healthcare name, logo and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc., licensed for use by The Cigna Group and its operating subsidiaries.
The information contained in this website may be translated to other languages. Cigna Healthcare translates this content using a third-party service, and as such it may contain discrepancies or differences. Cigna Healthcare warrant that these are non-binding and have no legal effect for compliance or enforcement purposes. You should not act in reliance of the translated version of this website, but should refer to the English text. Only the English version is endorsed by Cigna Healthcare in accordance with the normal Disclaimers.
Cigna Healthcare is not liable for any damages arising from the translations, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages.
Cigna Healthcare 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 Healthcare 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/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 Healthcare copyright holder.
The health information on this Web site is provided by Cigna Healthcare 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 Healthcare 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 web site is provided "AS IS" without warranty of any kind, either express 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.
Cigna Healthcare 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 Healthcare cautions the reader that actual results could differ materially from those that Cigna Healthcare expects, depending on the outcome of certain factors. In some cases, Cigna Healthcare describes uncertainties when offering forward-looking statements. Cigna Healthcare does not undertake any obligation to correct or update any forward-looking statements on the Cigna Healthcare Web site.
Certain web and smartphone applications of the Services have been designed to run on a personal computer, standard laptop or web-enabled mobile device. If you view or use the Services 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. The Services should not be used while operating any motor vehicle, or in any other manner that might endanger yourself or others.
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 Services that uses such information. While using the Services, 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 personalised results and/or Services. Cigna Healthcare 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.
By using the Services you expressly agree and acknowledge that Cigna Healthcare shall not responsible for any of the following: (a) performance limitations and/or failures experienced in connection with any wireless or Wi-Fi service used to access the Service; (b) data transmitted through wireless access that may be intercepted by unauthorised persons; or (3) your failure to physically secure and/or monitor your personal computer, laptop or wireless device or to protect your passwords, resulting in unauthorised access to the Service and/or your Cigna Healthcare account or plan information.
While using any web-enabled mobile or handheld device to use the Services, standard mobile phone carrier and data usage charges will apply. You expressly agree and acknowledge that the use of any mobile or handheld device is at your sole risk and shall be in accordance with all applicable laws.
By using the Services, you agree to receive any applicable software updates that may be issued from time to time by Cigna Healthcare. You agree to accept and install such updates as part of your use of the Services. You also agree not to reverse engineer, modify, decompile, adapt, translate, disassemble, or otherwise attempt to discover the source code of the Services and/or any Cigna Healthcare application.
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 Healthcare be liable for damages of any kind occurring from the use of this web site or any information, goods or Services obtained on this web site including direct, indirect, consequential, incidental, or punitive damages (even if Cigna Healthcare 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.
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.
Use of the Services will be governed by and construed in accordance with English law, without giving effect to its conflict of law provisions. You agree that any legal action or proceeding between you and Cigna Healthcare will be brought exclusively in front of the English courts. If any provision of this document shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this document and shall not affect the validity and enforceability of any remaining provisions.