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Affinity groups — professional and trade associations, unions, banks and credit unions — often use group benefits as a way to attract and retain members. But since every group has different needs and goals, a one-size-fits-all approach to plan design often doesn’t work. Cigna Affinity works with brokers and third party administrators who utilize direct marketing techniques to promote programs.
With Cigna Affinity, you get an experienced team to help you with new business development, underwriting, account management and implementation.
Group Benefits for Membership and Affinity Groups
Accidental Injury
Accident insurance coverage options can include or exclude coverage for occupational accidents. Cigna can tailor a plan to meet an affinity sponsor’s needs by offering a choice of elimination periods, benefit amounts and benefit durations.
Hospital Indemnity Insurance
Plans can be designed with first-day coverage* or a choice of elimination periods and benefit periods, depending on Member needs.
*Depending on plan design, benefits may not be paid for an illness or injury that existed before the effective date of coverage. Age-based reduction of benefits and benefit waiting periods may also apply. Contact Cigna for details.
THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE.
Product availability may vary by location and plan type and is subject to change. All group insurance policies and group benefit plans may contain exclusions, limitations, reduction of benefits, and terms under which the policy or plan may be continued in force or discontinued. For costs and complete details of coverage, contact a Cigna representative. Group term life, accident, disability, accidental injury and hospital indemnity insurance policies are offered by Life Insurance Company of North America (LINA), except in NY, where insurance policies are offered by Cigna Life Insurance Company of New York (New York, NY). Policy forms: Disability & Term Life - TL-004700 et al, AD&D - GA-00-1000.00 et al, Accidental Injury - GAI-00-1000 & GAI-00-1000.OR et al, Hospital Indemnity - 604852 (LINA).