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    Cigna Segmentation Criteria

    Cigna Segmentation Criteria

    Segmentation Policy for Cigna Life Insurance Company of Europe S.A.-N.V. and Cigna Europe Insurance Company S.A.-N.V.

    There are multiple criteria that play a role in determining whether we ae prepared to insure a particular risk, what we are prepared to insure it against, and what the premium will be. These criteria serve as Acceptance Criteria (AC), Special Terms (SP) and Pricing. Based on these segmentation criteria, we try to find a balance between the premium you pay and the loss we anticipate. The segmentation criteria are objective criteria that can influence the probability or extent of loss.

    Acceptance Criteria
    (Accept vs Decline)
    Special Terms
    (Individual Exclusion/Loading)
    Pricing
    (Base Price)

    Underwriting (UW) Type

    Coverage Selection

     

    Age

    Country of Residence

     

    Nationality

     

    Contracting Country

     

     

    Payment Frequency

     

     

    BMI

     

     

    Smoking Status

     

     

    Occupation

     

     

    Hobbies/Avocations/Hazardous Pursuits

     

    Medical History

     

    Please find below an explanation of the segmentation criteria we apply.

    UW Type

    Certain UW types have specific acceptance criteria (MHD & CPME) and are not open to everyone. MHD has a higher base price.

    Coverage Selection

    This isn’t a driver for overall acceptance/declines but we may take modular attachments into account when deciding to apply an individual exclusion/loading.  Overall product selection generally doesn’t impact the UW decision.

    Age

    Affects the level of medical risk presented.

    Country of Residence

    Medical costs can vary depending on country in which treatment is received. Some countries are restricted due to sanctions.

    Nationality

    Medical costs can vary depending on country in which treatment is received and people get treatment while visiting their home country. Some nationalities are restricted due to sanctions.

    BMI

    Body mass index at the extreme ends of the scale are indicators of increased medical risk.

    Smoking status

    Smoking increases medical risk factors.  We don’t load smokers at the outset, nor do we apply exclusions specifically for this. We do factor this is as a consideration when other conditions are present or the person has a high BMI.

    Occupation

    We may apply an exclusion or offer loading when someone has a dangerous occupation.

    Hobbies/Avocations/Hazardous pursuits

    We may apply an exclusion or offer loading when someone engages in an activity where there is an increased risk of injury.

    Medical History

    Medical history including ongoing conditions or undiagnosed symptoms is an indicator of the level of risk.

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    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

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