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Life Insurance FAQs

Who can be covered?

Cover is available to all New Zealand residents aged between 18 and 70 at the time of application.

A New Zealand resident is someone living in New Zealand who holds a New Zealand passport, a permanent residency visa or is an Australian passport holder.

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What is Life Insurance?

It’s insurance that can pay out lump sum if you die or if you are diagnosed with a terminal illness.

There is also an optional Serious Illness benefit that can pay a lump sum if you are diagnosed with one of the specified conditions (e.g. heart attack and stroke).

Premiums start from $15 per month and you can apply for cover to suit your needs and budget.

You should refer to the policy wording for full details of all terms and conditions.

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What is not covered?

You should refer to the policy wording for full details of exclusions, but here is a brief summary of situations where you will not be covered:

  • the claim is due to War, invasion, Terrorism, hostilities, strike, riot and/or civil commotion, civil war, rebellion, revolution, insurrection, military or usurped power
  • if you are not completely truthfully when answering questions we ask or if you fail to provide us with any Material Information
  • if a claim results from suicide, attempted suicide or intentional self injury within 13 months of the Cover Start Date or, from the date your Policy was reinstated after being cancelled.

There are additional exclusions for the Serious Illness Benefit where you will not be covered if the claim is caused by:

  • an unlawful act by you or the Life Insured
  • alcohol or drugs taken (unless prescribed)
  • driving a motor vehicle with a blood alcohol level in excess of the minimum legal limit.

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What is involved in applying for Life Insurance?

We use a straight forward application form and where possible we’ll assess your application based on the information you provide. In many instances after completing the online forms or telephone conversation, we are able to issue your cover immediately.

Sometimes however our underwriters will need to request additional information from you or your doctor.

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Will I need to have a medical examination?

Not necessarily. Sometimes it’s not needed and sometimes we’ll only need your doctor to complete a form. However, there are two reasons why we might ask for a medical examination:

  • if you have applied for a large amount of cover
  • if you have a medical condition that requires a doctor's input to make a fair assessment.

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Who will pay for my medical costs?

Cigna will meet the medical costs involved if we have requested medical information from your doctor, or if we have asked for a blood test or specific examination. If, however, you are already scheduled to have a specific test, or are due for a review of a medical condition which would ordinarily occur with your doctor, the cost will be your responsibility to meet.

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How long does the underwriting assessment take?

The processing time for your application will depend largely on the information that you provide. If the information is complete and there are no medical issues to consider, we may issue cover within 48 hours of receipt of your application. For those applications that require more detail for us to evaluate, such as medical reports, it may take a few weeks. This may also depend upon how quickly you or your doctor is able to respond to our questions.

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How do I make a claim?

The first step in making an insurance claim is to contact Cigna directly. Our team will guide you through the claims process, beginning with giving you clear information on your policy and sending out any required forms for your claim. You can call us free on 0800 99 77 00, or email us at claims.nz@cigna.com.

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What type of information will I need to provide when making an insurance claim?

The information you need to provide when making an insurance claim will vary depending on the type of claim you are making. We will send you a claim form when you contact us that describes in detail the information you need to provide us to assess your claim.

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What happens once I have returned the claim form?

Once you submit your insurance claim form, we will assess your claim within five working days of receipt. At this point we will let you know if we need any additional information. We will keep you updated as we process the claim, but if you have any questions you can call us on 0800 99 77 00.

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How do I know if I have a valid claim?

Our claims team are here to help. You can call us on 0800 99 77 00 or email claims.nz@cigna.com and we will look into your policy details and help you decide if your specific circumstances may be covered.

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What payment options are available?

You can pay for your cover by Direct Debit, Visa or MasterCard debit or credit card. Premiums can be paid fortnightly, monthly, half-yearly or annually.

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Can I cancel my policy?

If you are not entirely satisfied with your policy and want to cancel it, you can do this by calling us on 0800 99 77 00.

If it is within 30 days of receiving your policy documents we'll refund your entire premium. If it's after 30 days, we will not refund any premiums.

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Can I reduce or increase the cover after my application has been submitted?

Yes. You can reduce or increase your requested insurance cover at any time during the assessment process. If you wish to increase cover, be aware that the process could take longer as additional information may be required.

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When and how do I get my documents?

Your personalised documents will be emailed to you shortly after you buy your policy. If you haven't received them in 24 hours please call us on 0800 99 77 00. You'll need Adobe Reader to view your documents. Click here for a free copy.

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What if I delete the email with all my documents?

If you accidentally delete the email, just call us on 0800 99 77 00 and we can re-send the email.

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Can I have a printed copy of my documents?

Sure! The documents can be printed and posted to you on request.

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How do I make a complaint?

If you have a complaint we are happy to discuss it. Please call us on 0800 99 77 00 (or +64 4 9158777 if you are overseas), or email us on complaintsandquality.nz@cigna.com. Our Customer Service team will do their best to resolve your issue straight away. However, if they can't sort out the issue, our dedicated Customer Resolution Consultant will personally take on your case.

Also, Cigna is a member of the Insurance and Financial Services (IFSO) scheme, a free independent service which can help settle any dispute you are unable to resolve with us.

Any dispute or action relating to your policy will be determined in accordance with New Zealand law.

IFSO contact details

Post P O Box 10 845
Wellington 6143
Phone 0800 888 202
Email info@ifso.org.nz
Website www.ifso.nz

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Who arranges this insurance?

The Insurance is provided and underwritten by Cigna Life Insurance New Zealand Limited (Cigna). Only Cigna can approve and accept your Policy and will be responsible for administration, all claims and other matters relating to your Policy.

Woolworths New Zealand Limited (Countdown) and its related companies do not guarantee the obligations of the insurer/underwriter, Cigna, and will not be liable if Cigna refuses to pay a claim.

Countdown may receive a commission while your Policy remains in force.

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Who is Cigna?

Cigna New Zealand is a leading specialist provider of insurance products and services including travel insurance, life insurance, identity theft protection, funeral insurance, income protection insurance, accidental death insurance and serious illness insurance.

We’ve been operating in New Zealand for nearly a century, and now protect more than 295,000 New Zealanders with our insurance policies.

Cigna New Zealand is part of Cigna Corporation, a Fortune 500 insurance company and one of the world's largest publicly owned companies.

A copy of Cigna's latest financial statements is available on request.

Financial Strength
Cigna Life Insurance New Zealand Limited, as the underwriter of this Policy, has an A- (Excellent) financial strength rating which was given by A.M. Best Company Inc.

The rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For more rating information visit http://www.ambest.com/ratings/guide.pdf

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Countdown Insurance
is backed by Cigna Life
Insurance New Zealand

Cigna is a leading specialist provider of insurance products and services with over 90 years of insurance experience.