Legal disclaimer

By using Cigna's website or any Cigna services, 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.


Cigna International Health Services BV (hereafter referred to as "Cigna") is a company incorporated and existing under the laws of Belgium, with its registered office located at Plantin en Moretuslei 299, 2140 Antwerpen, Belgium, and with the enterprise number 0414.783.183 (Register of Legal Entities Antwerp).

Cigna is subject to the supervision of the Financial Services and Markets Authority (FSMA) in the field of consumer protection and has been registered in the register of insurance and reinsurance intermediaries under the FSMA number 013799 A-R.



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. The registered marks "Cigna", the "Tree of Life" logo and other Cigna marks are owned by Cigna Intellectual Property, Inc.



All material including any link to other websites 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 these pages 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.



Unless otherwise explicitly stipulated, the various pages 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. The information on this website is provided without guarantee or liability on the part of Cigna.



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.



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 copyright holder.



The health information on the Service is provided by or made accessible 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.



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 personalised 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 unauthorised 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 unauthorised 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.



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.



You agree by accessing the Service that under no circumstances or any theories of liability under international or civil, common or statutory law including but not limited to strict liability, negligence or other tort theories or contract, patent or copyright laws, will Cigna be liable for damages of any kind occurring from the use of the Service or any information or services obtained on or through the Service including direct, indirect, consequential, incidental, or punitive damages (even if Cigna has been advised of the possibility of such damages), to the fullest extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages so some of these limitations may not apply to you.



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 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 the Belgian courts. If any provision of this document shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this document and shall not affect the validity and enforceability of any remaining provisions.



Plantin en Moretuslei 299
2140 Antwerpen

Company number: 0414.783.183 (register of Legal Entities Antwerp)
VAT BE 0414 783 183
FSMA 13799 A-R

All rights reserved.