Legal Disclaimer

Legal Disclaimer

Legal Disclaimer for the Singapore Website

Website Terms and Conditions


Products and Services Provided by Cigna Corporation Subsidiaries

Cigna is a registered service mark of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its subsidiaries. Cigna Corporation is a holding company and is not an insurance or an operating company. Therefore, products and services are provided exclusively by subsidiaries and not by Cigna Corporation. "Cigna" may refer to Cigna Corporation itself or one or more of its subsidiaries, but when used in connection with the provision of a product or service, always refers to a subsidiary. In Singapore, products and services referred to on are provided exclusively by Cigna Europe Insurance Company S.A. – N.V. Singapore Branch ("Cigna Singapore Branch"). Cigna Singapore Branch is authorized to carry on insurance business in Singapore. The materials and information on are provided to you by Cigna in accordance with these Legal Disclaimers/Conditions of Use.


The products and services available on are made available in Singapore only and are not made available to any person in any other place. Although it is possible to access while overseas, Cigna makes no representation that the products and services available through complies with the laws of any country outside of Singapore. If you access this site from outside Singapore, you do so on your own responsibility and are responsible for ensuring compliance with all laws in the place where you are located. Nothing herein shall be construed as a representation by Cigna that the information and materials contained in or accessed through this website is appropriate or available for use in geographic areas or jurisdictions other than Singapore. Users are reminded that it is an offence punishable under criminal law to fraudulently access or remain connected to an IT system, to impair or interfere with the functioning of such a system or to fraudulently enter or alter information in an IT system.

Product Descriptions

The product descriptions, if any, provided on are not intended to constitute offers to sell or solicitations in connection with any products or services. Some products may not be available in jurisdictions other than Singapore. Anyone interested in a particular product should contact Cigna Singapore Branch to determine whether the product is available in their jurisdiction and to request a copy of the applicable policy or prospectus for a complete description of the product.

Links to Other Sites

While visiting, you may leave and access certain non-Cigna Web sites. Cigna neither reviews nor controls the content and accuracy of these Web sites, and therefore will not be responsible for their content and accuracy. Your access to non-Cigna Web sites is at your sole risk. Please note that other Web sites on the Internet may contain unedited, sexually explicit, violent, racist or other types of material, which may be offensive to you. Please access other Web sites at your own discretion.

General Disclaimer

All material including any link to other sites and content found at linked sites is provided "as is". Cigna does not exclude or limit the application of any provision of any statute legislation. Cigna excludes all conditions, warranties and terms implied by legislation, general law or custom, except any implied condition or warranty the exclusion of which would contravene any legislation or cause this provision to be void. Due to the nature of the Internet, Cigna does not warrant that access to or any of its 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 Under no circumstances shall Cigna be liable regardless of the form of action for any failure of performance, system, server or connection failure, breach of security, computer virus, malicious code, delay in operation or transmission, or unavailability of access in connection with your accessing this website and/or using the online services even if Cigna had been advised as to the possibility.

To the fullest extent permitted by law, Cigna excludes:
(a) All liability to you in contract, tort or otherwise for consequential or indirect damages arising out of or in connection with even if:
(i) Cigna knew they were possible; or
(ii) They were otherwise foreseeable, including without limitation, lost profits and damage suffered as a result of claims by any third person; and
(b) All liability to you in negligence for acts or omissions of Cigna, its employees, agents and contractors arising out of or in connection with

Viruses, Worms, Use of Files

Cigna cannot and does not guarantee or warrant that files available for downloading from this site 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 this site. 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 this Web site. 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 this Web site 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 this site. 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.


There are references throughout to various trademarks or service marks and these, whether registered or not, are the property of their respective owners. All trademarks, service marks and logos used in this website are the property of Cigna and/or the respective third party proprietors identified in this website. No licence or right is granted by your access to this website and/or use of the online services. As such, they may not be reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered, hyperlinked or otherwise used in whole or in part in any manner without the prior written consent of Cigna or the relevant third party proprietor thereof.

Limitation of Liability

You agree by accessing that to the fullest extent permitted by law, 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 this web site or any information, goods or services obtained on this web site 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.

Personal Data

You agree that, to the extent permitted by law, any and all personal data relating to you collected by Cigna from time to time may be used and disclosed in accordance with Cigna’s Personal Data Protection Policy (as may be amended from time to time).

Changes and Applicable Law

We reserve the right to make changes to and our Legal Disclaimers/Conditions of Use. We encourage you to review the Web site and these Legal Disclaimers/Conditions of Use periodically for any updates or changes. Your continued access or use of shall be deemed your acceptance of these Legal Disclaimers/Conditions of Use and any changes and the reasonableness of these standards for notice of changes. By accessing this website and/or using the online services, you agree that such access and/or use, as well as the Cigna Personal Data Protection Policy shall be governed by, and construed in accordance with, the laws of Singapore and you agree to submit to the non-exclusive jurisdiction of the Singapore courts.
If any provision of this Legal Disclaimers/Conditions of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Legal Disclaimers/Conditions of Use and shall not affect the validity and enforceability of any remaining provisions.

Page last updated 17 Nov 2017