Cigna Critical Illness Insurance

You never know when you or a loved one will experience a critical illness. Critical illness insurance through Cigna pays you a one-time lump sum to help supplement the following and more:

  • Heart Attack
  • End Stage Renal (Kidney) Failure
  • Major Organ Transplant
  • Invasive Cancer
  • Stroke
You choose the benefit amount when you enroll, from $5,000 to $40,000 (in $5,000 increments). 

When you elect coverage for yourself, eligible children are automatically enrolled at 50% of the Associate amount elected. Additional family coverage is also available. 

A Health Screening Benefit is included, which pays an annual $50 incentive, per person, to you and your enrolled dependents, who receive a health screening or test (blood test, stress test, colonoscopy, chest x-ray, mammogram, biometric screening, etc.). You can even use the same annual exam from your Wellness Incentive requirements, to qualify for this benefit. 

Coverage is portable — you can take your policy with you if you change jobs or retire.

Making Changes to Your Coverage:

When Can I Make the Change?

During Annual


New Hire
With a Qualifying
Life Event
Any Time

the Year

Enroll for Coverage

Allowed Allowed (up to  $40,000 in $5,000 increments) Not Allowed Not Allowed
No EOI* Required

Increase Coverage
Yes, by $5,000 (max of $40,000) N/.A Not Allowed Not Allowed

*This policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitation that may affect any benefits payable.  Please refer to plan documents for detailed plan information.