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Claim Procedure

All qualifying claims (medical, vision, dental and prescription drugs) should be submitted within 90 days after the date of service. Please note that no payment will be made for any claim submitted later than one year after the date of service.

You can submit claims electronically by logging in your Cigna Personal Webpage Account. For treatment in the United States, providers will often bill Cigna directly and then send you an invoice for your share of the costs.

To submit claims electronically, arrange direct-deposit payments, find in-network health care providers and print membership cards, you will need to create a personal account on the Cigna website using the Cigna Personal Webpage Instructions.

The Cigna online claiming tool will automatically fill in personal information and payment details; will provide you with guidance on processing claims; will remind you of which original documents to attach; will allow you to save your work on unfinished claims and then to pick up where you left off; and will let you track the status of submitted claims and archive old claims. For more detailed instructions about the online claims process, please refer to the Cigna Online Claiming Tool Manual.

Please remember to scan all invoices and other supporting documents in advance so you can attach them to your claim within the Cigna website.

After you submit your claim online, you will receive an email confirming your submission. It is recommended that you keep the original invoices and supporting documentation for a period of at least six months after the electronic submission of your claim. Once your claim has been processed, you will be notified by email and your settlement details will be available online.

To submit claims using the Cigna Health Benefits App , you will need to download the Cigna Health Benefits App in your smartphone. With this app, you can submit a claim by taking a picture of your invoice. The Cigna Health Benefits App can be downloaded onto your phone from Apple’s App Store or Android’s Google Play.

In order to use the Cigna App, you will first need to set-up your Cigna Personal Webpage account using the Cigna Personal Webpage Instructions. To find more information refer to the Cigna Health Benefits App Manual.

How do I submit a claim to be reimbursed?
You can submit claims electronically or by postal mail. It is recommended that you submit claims electronically to avoid mailing delays and costs. For instructions on submitting claims, please refer to the claim procedure.

What is the last day for submitting a claim?
All qualifying claims (medical, vision, dental and prescription drugs) should be submitted within 90 days after the date of service. Please note that no payment will be made for any claim submitted later than one year after the date of service.

Can I submit claims in any language?
Cigna can administer claims in several languages — English, French, Dutch, German, Spanish, Italian, Portuguese, Danish, Greek and Turkish.

How are claim payments made? What currencies are available?
Payments can be made by check or wire transfer. Claim reimbursement will be made in US dollars, unless the claimant requests reimbursement in a different currency, at the time of the claim request.

Claimant can be reimbursed in the following currencies —  Australian Dollar (AUD), Canadian Dollar (CAD), Danish Krone (DKK), Indian Rupee (INR), Euro (EUR), Kenyan Shilling (KES), Norwegian Krone (NOK), Philippine Peso* (PHP), South African Rand (ZAR), Singapore Dollar* (SGD), Swedish Krona (SEK), Swiss Franc (CHF), Thai Baht* (THB), Pound Sterling (GBP) and U.S. Dollar(USD). (*This currency is available for reimbursement by wire transfer only.)

What rate of exchange will be used?
Cigna uses the exchange rate from the United Nations Operational Rate of Exchange website. The rate is calculated based on the date of service (date the claim was incurred).

Can I review my claim reimbursement on the Cigna website?
Yes, you can review your claim reimbursements and corresponding settlements by logging in to your Cigna Personal Webpage account. Please refer to the instructions for creating or accessing your Cigna Personal Webpage account.