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.

This website is operated by Cigna Life Insurance Company of Europe S.A.-N.V. ("Cigna"), an insurance company registered in Belgium (under registration number 0421.437.284) with limited liability and authorised under licence number 0938. Cigna has its registered office at Plantin en Moretuslei 309, 2140 Antwerpen, Belgium.

For further information about Cigna or this Legal Disclaimer please contact Cigna through the "Contact Us" section.

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 the Service 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 the Service.

Health Information

The health information on the Service is provided by Cigna solely for informational purposes as a public service to promote consumer health. It is not meant to provide medical advice tailored to you in any way. 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 the Service. 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.

Forward-Looking Statements

The Service 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 Service. 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.

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.

Viruses, Worms, Use of Files

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. 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 the Service. 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 the Service. 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 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.

"Cigna®" is a registered service mark of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its subsidiaries. Cigna Corporation is a holding company and is not an insurance or an operating company. Therefore, products and services are provided exclusively by or through operating subsidiaries and not by Cigna Corporation.

Products and Services Provided by Cigna

Operating companies offering products and services include (without limitation), Cigna Life Insurance Company of Europe S.A.-N.V, Cigna Europe Insurance Company S.A.-N.V, both companies registered in Belgium at Plantin en Moretuslei 309, 2140 Antwerpen, Belgium or Cigna Global Insurance Company Limited, with registered address in Guernsey at St Martin’s House, Le Bordage, St Peter Port, Guernsey, GY1 4AU. Please refer to your member literature for details of the insurance entity providing cover. 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 products and services which are non-risk related may be provided by non-insurance entities such as Cigna International Health Services BVBA, 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; Cigna European Services (UK) Limited, having its registered office at Chancery House, First Floor, St. Nicholas Way, Sutton, Surrey SM1 1JB; and Cigna Global Wellbeing Solutions Limited with registered office at 24 Southwark Bridge Road, London, SE1 9HF.

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.

Limitation of Liability

You agree by accessing the Service 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 the Service or any information, goods or services obtained on the Service 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.


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.

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.

Data Protection and Use of Cookies

The Privacy Policy describes how Cigna uses and protects any information that you may provide by using this website. Please read the Privacy Policy for further information on how Cigna uses and protects personal data.

Cigna uses cookies and similar tools across the website to improve its performance and enhance the user experience. Please read the Cookie Policy for further information on the use of cookies.

Updates to the Legal Disclaimer

Cigna reserves the right to make changes to the Service and to the Legal Disclaimer. We encourage you to review the Service and these terms periodically for any updates or changes. Your continued access or use of the Service shall be deemed your acceptance of this Legal Disclaimer and any changes and the reasonableness of these standards for notice of changes.