Legal Disclaimer

Legal Disclaimer

By using Cigna's website 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.

Information about Cigna

Cigna Life Insurance Company of Europe SA-NV ("CLICE") is subject to the prudential supervision of the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels (Belgium) and to the supervision of the Financial Services and Markets Authority (FSMA), rue du Congrès 12-14, 1000 Brussels (Belgium), in the field of consumer protection. CLICE is authorised in Belgium under licence number 938 to carry on the classes 1a, 2, 21, 22, 23 and 24.

Cigna Europe Insurance Company SA-NV ("CEIC") is subject to the prudential supervision of the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels (Belgium) and to the supervision of the Financial Services and Markets Authority (FSMA), rue du Congrès 12-14, 1000 Brussels (Belgium), in the field of consumer protection. CEIC is authorised in Belgium under licence number 2176 to carry on the classes 1a, 2 and 16.

CLICE and CEIC are together referred to as "Cigna". "Cigna" is a registered service mark of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries, including CLICE and CEIC.

Information supplied on

Save as is otherwise explicitly stipulated, the various pages which you can access on this website are provided merely for information purposes. Cigna takes all reasonable measures to provide correct and up-to-date information on this website but it cannot guarantee that the information will be at all times updated, accurate, correct, complete or suitable for a particular purpose.

Cigna may modify, at any time and without prior notice, the information supplied on this website and interrupt access to all or part of the Service.

The information on this website is intended for Belgian residents only. It is provided without guarantee or liability on the part of Cigna, except in the case of gross or intentional negligence or misconduct. It can never be considered as a recommendation, advice or a direct and personal offer for the sale and/or purchase of insurance or other products.

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. Your access to non-Cigna websites and non-Cigna content is at your sole risk.

Other websites on the Internet may contain unedited, sexually explicit, violent, racist or other types of material, which may be offensive to you. Please access other websites at your own discretion.

General Disclaimer

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.

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.

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 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. Cigna does not undertake any obligation to correct or update any forward-looking statements on the Service.

Property and Intellectual property rights and Trademarks

Cigna reserves all property and intellectual property rights on the website and all its components.

A non-exclusive licence is granted to the user to use the website. Nevertheless, no property or other intellectual property right is transferred to the user. This licence only gives the user the right to access the contents of the website, consult the information it contains and use the services offered on the site for its own private use.

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. No use of such trademarks is allowed without the written prior consent of their respective owners.

Web-Enabled Mobile or Handheld Devices

Certain web and smartphone applications of the Service have been designed to run on a personal computer, standard laptop or web-enabled mobile device. If you view or use the Service on a mobile or handheld device you may experience some display and functionality limitations. You may experience varying wireless network coverage and speed, depending on your geographic location and telecommunications provider. The Service should not be used while operating any motor vehicle, or in any other manner that might endanger yourself or others.

If your mobile device uses Global Positioning System (GPS) technology, trackers, or other location tracking tools, your location information may be used for purposes of determining your location when using a function on the Service that uses such information. While using the Service, if you allow your location information to be obtained, we will use this information solely to return your estimated location and to provide you with more personalized results and/or services. Cigna does not monitor your GPS tracking or location information, and does not save this information. We will not use this information to identify you or disclose this information to any third parties.

By using the Service you expressly agree and acknowledge that Cigna shall not responsible for any of the following: (a) performance limitations and/or failures experienced in connection with any wireless or Wi-Fi service used to access the Service; (b) data transmitted through wireless access that may be intercepted by unauthorized persons; or (3) your failure to physically secure and/or monitor your personal computer, laptop or wireless device or to protect your passwords, resulting in unauthorized access to the Service and/or your Cigna account or plan information.

While using any web-enabled mobile or handheld device to use the Service, standard mobile phone carrier and data usage charges will apply. You expressly agree and acknowledge that the use of any mobile or handheld device is at your sole risk and shall be in accordance with all applicable laws.

Updates and Reverse Engineering

By using the Service, you agree to receive any applicable software updates that may be issued from time to time by Cigna. You agree to accept and install such updates as part of your use of the Service. You also agree not to reverse engineer, modify, decompile, adapt, translate, disassemble, or otherwise attempt to discover the source code of the Service and/or any Cigna application.

Calculations and Investment Decisions

Financial calculators/calculations are provided for illustrative purposes only. You are responsible for verifying the accuracy and suitability of all assumptions and calculations. Please seek the advice of licensed and/or competent individuals before making any investment or financial planning decisions. Do not rely solely on financial calculators/calculations or financial or retirement information found on the Service.

How to make a claim

Any claim can be submitted to Cigna by sending an email to All claims will be handled as soon as possible.

If you are not satisfied with our response, please be advised that you can contact the Insurance Ombudsman at the following address:

Ombudsman van de Verzekeringen/Ombudsman des Assurances
Square de Meeûs, 35 1000 Brussels
Fax: +322 547 59 75

Changes and Applicable Law

We reserve the right to make changes to the Service and our 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 these Legal Disclaimers and any changes and the reasonableness of these standards for notice of changes. Use of the Service and purchases of products from the Service will be governed by and construed in accordance with Belgian law, without giving effect to its conflict of law provisions. You agree that any legal action or proceeding between you and Cigna will be brought exclusively in front of Belgian courts. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.