The web browser you are using will no longer be supported by Cigna.com. To continue accessing the site without interruption, please upgrade your browser to the most recent version.

What is a Medical Indemnity Plan?

Medical Indemnity plans, also known as an Indemnity Health Plan, are health plans designed to give you choices when choosing health care providers and facilities.

If you choose a Medical Indemnity health plan through Cigna, it’s important to know the key features:

  • You have the freedom to see any health care provider and use any facility for covered services, but you and your covered dependents must file claims to be reimbursed.
  • Depending on the provider, you may have to pay for the cost of your health care services when you receive them, or you may be billed directly for any services provided.
  • You don’t need referrals for specialists. Cigna may need to pre-certify hospital stays and some types of outpatient care.
  • The indemnity health plan includes global emergency and urgent care coverage 24 hours a day, seven days a week.

Medical plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).