Cancel Cigna Global: Step-by-Step Process

What is Cigna Global

Overview

Cigna Global is an international private medical insurer that offers expatriate and globally mobile health plans. Plans include different levels of hospital, outpatient and evacuation coverage designed for customers living or travelling outside their home country.

How it is structured

Cigna Global operates separately from Cigna Life Insurance New Zealand; products, terms and regulatory treatment can differ between divisions. Local regulatory actions against other Cigna entities do not automatically change Global policy terms, but are relevant background for consumers.

How to cancel Cigna Global

Primary cancellation method

You may terminate your policy at any time by giving at least seven days’ notice in writing, per Cigna Global's FAQ policy. Written notice is required to initiate cancellation and potential refund assessment.

Step-by-step cancellation steps

• Locate your policy number and membership details before contacting Cigna.
• Send a written cancellation request giving at least seven days’ notice; include your policy number, full name, contact details and date you want cover to end.
• Use the customer service address (international) or the website account message system where available; request written confirmation of cancellation.
• If you bought via an app (App Store / Google Play), do not rely only on unsubscribing there - reportedly you may still need to contact Cigna directly to cancel the policy.
• Keep copies of all communications and any confirmation number or email as proof of cancellation.

What happens when you cancel

Access and cover

Cover ends on the cancellation date confirmed by Cigna. If you request a future stop date, verify the exact time and date your benefits cease to avoid gaps in cover or unexpected claims rejections.

Renewal and data handling

Automatic renewal will stop once the cancellation is processed; check your final statement to confirm there is no future billing. Cigna will retain your policy and claims data according to its privacy policy and regulatory requirements.

Will I get a refund?

Cigna Global refund policy

Cigna Global provides pro‑rata refunds only if there are no claims on file and no guarantee of payment has been issued. If a claim or guarantee of payment exists, no refund is issued, per the FAQ.

Cooling-off and exceptions

• Cigna Global does not publicly state a statutory 14‑day cooling‑off period for NZ customers; refunds are conditional as above.
• If you believe you have a special circumstance, request a written assessment from Cigna and retain all communications.

Cigna Global plans and pricing

Plans overview

Below are representative starting monthly premiums (NZ$) for 2025 reported by an NZ review site. Actual premiums depend on age, location, deductible and optional modules.

Price table

Your consumer rights in New Zealand

Cooling-off and refund context

Many NZ travel and short‑term insurers offer a 14‑day cooling‑off right for full refunds (subject to conditions). Cigna Global does not publicly advertise this option for its policies in New Zealand.

Regulatory and consumer alerts

Cigna Life Insurance NZ (a different entity) was penalised in 2023 by the Wellington High Court for misleading representations and ordered to pay NZ$3.575 million. This highlights the importance of checking written policy terms carefully.

Customer experiences

Positive feedback

• Many reviews praise excellent onboarding support and helpful staff, noting professional and knowledgeable service.
• Some customers report straightforward and efficient policy management suited to internationally mobile customers.

Negative feedback

• Cancellation can be arduous; reviewers report long calls, multiple agents and delayed or missing confirmations.
• Complaints include unresponsive customer service, delays on claim approvals and difficulty using app-based cancellations.

Documentation checklist

Essential documents to prepare

• Policy number and full membership details.
• Government ID or passport copy for identity verification.
• Written cancellation request including desired end date and reason.
• Bank details for any refund and proof of purchase or payment receipts.

Helpful supporting items

• Record of any claims made or guarantees of payment issued (these affect refund eligibility).
• Copies of all emails, chat transcripts and cancellation confirmations.

Common mistakes

Relying on app stores alone

Many customers assume unsubscribing through the App Store or Google Play cancels the underlying policy. Anecdotal reports indicate this can be unreliable and often requires direct contact with Cigna.

Not getting written confirmation

Failing to obtain written confirmation of cancellation is a frequent issue. Customers should always request and keep written proof of the cancellation date to avoid disputed charges.

Comparative recap

Summary comparison

After cancelling

Actions to take straight away

• Request and retain written confirmation and a final invoice or statement showing any refund due.
• Check claim status and ask for written confirmation that no guarantees of payment remain.

Helpful resources and links

• Cigna Global reviews on Trustpilot
• Reddit discussion about Cigna Global experiences
• FMA media release on Cigna Life NZ penalty

Address

Primary customer service address

Cigna Global Health Options, Customer Service, 1 Knowe Road, Greenock, Scotland, PA15 4RJ.

Important note on addresses

There is no specific New Zealand postal cancellation address publicly listed; the international customer service address above may be used. Always send cancellation requests in writing and keep proof of postage or delivery.