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  • Insurance Distribution Directive (IDD)

    The Insurance Distribution Directive (IDD) is a European directive that comprises rules governing the distribution of insurance. The aim of the IDD is to ensure that everyone involved in the distribution of insurance follows the same rules. This directive constitutes a new phase in the harmonization of the European insurance market.

    The IDD regulates the distribution services for insurance products. One of its main objectives is to provide a set of rules aimed at strengthening consumer protection. The IDD requires to abide by three over-arching principles when distributing insurance products:

    • act honestly, fairly and professionally in a way that best serves your interests
    • provide you with information that is accurate, clear and not misleading. This information is meant to enable you to take informed decisions
    • take account of your individual situation, and in particular your demands and needs.

    Product Oversight and Governance obligations

    Within Cigna we set out standards for designing, approving, marketing, distributing, monitoring and reviewing products developed.

    1. Communication

    Various channels of communication are available to you if you wish to contact us: phone, appointments at our offices, fax, website and email.
     

    2. Languages used

    Our working languages in the context of this legislation are the following: Dutch, French and English.
     

    3. Registration with the supervisory body

    Our firm is registered under number 13799 A-R in the category ‘insurance intermediary of the Register of Insurance intermediaries maintained by the FSMA, which is domiciled at Congresstraat 12-14, B-1000 Brussels. You may visit the website www.fsma.be for additional information.
     

    4. Authorised Activites

    Our firm is authorised to mediate with respect to insurance and re-insurance products in the following classes:

     
    GROUP OF ACTIVITIES
    COMMISSION RATES (%) USUAL INDICATORS (BANDWIDTH)
    01a 'Accidents except accidents at work' Act 15 - 25%
    01b 'Accidents at work' Act 5-10%
    02 Illness  
    03 Land vehicles 12,5 – 19%
    04 Railway rolling stock 12, 5 - 17,5%
    05 Aircraft 8 – 12%
    06 Ships (sea, lake, river and canal vessels) 12, 5 – 17, 5%
    07 Transported goods 12, 5 – 17, 5%
    08 Fire and natural forces 15 – 27 %
    09 Other damage to goods 15 – 20%
    10a Mandatory CL, vehicle 15 – 20 %
    10b Carrier CL  
    11 Aircraft CL  
    12 CL, Seagoing and inland shipping vessels  
    13 General CL 15 – 20%
    14 Credit 2 – 5%
    15 Deposit 2 – 5%
    16 Sundry financial losses 10 – 17, 5%
    17 Legal assistance  
    18 Emergency assistance  
    21 Life 2 - 5%
    22 Marriage and birth insurance 2 - 5%
    23 Life with investment trusts  
    24 Permanent health insurance /
    25 Tontine arrangements /
    26 Capitalisation  
    27 Pension funds 3%
    28 French Insurance Code: Book IV, volume 4, chapter I 4 – 6 %
    29 Arrangement: length of life of the person 2 – 22 %


    5. Access to extrajudicial complaint settlement

    We do everything necessary to ensure your satisfaction. In case of problems or questions, we are at your disposal. If your complaint has to do with the performance of our services and we have not been able solve it jointly, we kindly ask you to contact a staff member.

    At a later stage, and if strictly necessary, you may contact the ‘Insurance Ombudsman’ department, which is domiciled at the following address:

    Square de Meeûs 35, B-1000 Brussels
    Tel.: +32 (0)2 547 58 71
    Fax: +32 (0)2 547 59 75

    info@ombudsman.as
    www.ombudsman.as


    6. Management of conflicts of interest

    As member of the BVVM-UPCA, we follow the rules and principles that have been accepted by our professional federation at a sectoral level. Click here [PDF] for more information about the management of conflicts of interest.
     

    7. Remuneration

    As member of the BVVM-UPCA, we follow the rules and principles that have been accepted by our professional federation at a sectoral level. Click here [PDF] for more information about our remuneration policy.

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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.

    This website is provided by Cigna European Services (UK) Limited, a company incorporated in England and Wales having its registered address at 13th Floor, 5 Aldermanbury Square, London EC2V 7HR and registered number 00199739. The Cigna Healthcare name, logo and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc., licensed for use by The Cigna Group and its operating subsidiaries.