UCigna ungumniki-jikelele weenkonzo zezempilo kunye nekomkhulu layo likomkhulu eliseBloomfield, Connecticut. Iqeshe abasebenzi abangaphezulu kwama-35,000 emhlabeni wonke kumazwe angaphezu kwama-30 kunye nengeniso yonyaka engaphezu kweebhiliyoni ezingama-32. Unyaka, inkampani inika ngaphezu kwezigidi ezili-11 zezigidi kwimibutho yokunceda.
Inkampani yasungulwa ngowe-1982 ngenxa yokuhlanganiswa kwe-INA Corporation kunye ne-Connecticut General Corporation.
Inkampani ye-INA ne-Connecticut jikelele ye-Inshurensi ye-Life yayiyiminyaka emdala kwaye ihlonishwayo yenkampani kwi-inshurensi. Ikhampani ye-Inshorensi yaseNyakatho Melika (INA) yasungulwa ngo-1792 kunye ne-Connecticut General Inkampani ye-Inshurensi ye-Life (CG) yasekwa ngo-1865.
Izibonelelo zeCigna ziquka:
- Inkampani yase-Connecticut jikelele ye-Inshurensi ye-Life
- I-Cigna yezeMpilo kunye neNkampani ye-Inshurensi yoBomi
- Inkampani Yomshuwalense Wobomi baseNyakatho Melika
- Inkampani ye-Cigna Life Insurance yaseNew York
Ngokusebenzisa ii-Cigna, inkxaso yabathengi banokuthenga i-inshorensi, amazinyo, ubomi, ingozi okanye i-inshurensi yemveliso kunye nezinye iinkonzo ezinxulumene nazo. I-Cigna yinkampani ebanjwe esidlangalaleni kwiNew York Stock Exchange phantsi kwesimboli CI . Kwakhona inkampani ye-S & P 500.
Amandla oMali kunye neNkxaso yeeNkonzo zabathengi
I-Cigna Intshurensi kunye nabancedisi bayo baye bafumana ukulinganiselwa kweemali ezilandelayo kule mibutho ephezulu yomshuwalense :
- I-AM Best - "Eyona nto ibalulekileyo"
- Inkonzo ye-Moody Investment -
- I-Standard & Poor's (S & P) - "AA- Very Strong"
- Fitch - "A + Strong"
UmthengiReports.org ulinganise iCigna nge-84 kwi-100 ngokubanzi ukuxhaswa kwabathengi. Izahlulo zisekelwe kukuxhamla kwabathengi kunye nokusebenza ekukhuseleni nasekuphatheni imeko eziqhelekileyo.
I-Cigna iphinde isebenze isikhungo selizwe socingo esitholakalayo kumalungu ama-24 iiyure ngosuku, iintsuku ezisixhenxe ngeveki. Esi sikhungo soqhagamshelwano siye sawina umvuzo weenkonzo zabathengi kwi- JD Power & Associates iminyaka emine elandelelanayo.
I-Business Business Bureau
I-Cigna ine-"+ +" kunye neBBB. Ayivunyelwanga kodwa ifaka isicelo sokubhengezwa kwaye iphantsi kokuhlaziywa. Ingxelo yeBBB ithi iCigna ihlangabezane ne-BBB Code of Business Practices phantsi kokuphononongwa kwayo kokuqala kodwa imvume yokugqibela isadingeka kwiBhodi yeBhodi yabaLawuli. Kukho ukuhlaziywa kwabathengi abangama-26 abathengi (24 ababi kunye nabangathathi hlangothi 2). I nkampani inamanqaku ahlukeneyo angama-3.73 kwiinkwenkwezi ezi-5. Kukho izikhalazo zabathengi abangama-413: iingxaki zemveliso / inkonzo (270); isiqinisekiso / imiba yewaranti (2); Imiba yokuhambisa (16); Imiba yokuhlawula / yokuqokelela (109) kunye nokuthengisa / ukuthengisa (16). Kwizikhalazo ezingama-413, ezingama-84 zazisombululiswa ukwaneliseka komthengi.
Imveliso ye-inshurensi yempilo kunye neenketho
Ngokusebenzisa iCigna kunye neenkxaso zaso, unako ukhetho lweentlobo ezahlukeneyo zemigaqo-nkqubo yeminshurensi nenkonzo. Unokufumana imali yokugcina imali ngokusebenzisa i-PPO yayo (i-Option Provider Organisation). Ii-HMO (iSicwangciso seNtsholongwane yezeMpilo ye-Health) kunye ne-HSAs (IiNkcazo zeMpilo ye-Savings Care) nazo ziyafumaneka.
Ukuba ukhetha icebo lomshuwalense wendabuko, le nto iyafumaneka nakwicebo "leNtetho evulekileyo". Nazi ezinye iinkqubo ze-inshorensi kunye neenkonzo ezikhoyo:
- Zonyango
- Amazinyo
- Yongeza
- Impilo
- Pharmacy
- Umbono wokunyamekela
- Izinzuzo
- Uqeqesho lwezeMpilo
- Ulawulo lwemiqathango
- Ubomi beqela, inshurensi yokukhubazeka kunye nokukhubazeka
Xa abanikazi bomgaqo-nkqubo babhalisa kwaye basebenzise i-myCigna.com, banokufikelela ukujonga nokuhlawula iindleko ze-intanethi, babukele isimo sebango kunye neenkcukacha, bafumane ababoneleli kunye nokufikelela kwikarata ye-ID yomshuwalense. Le nxalenye iphinda ifumaneke kumalungu njengesicelo seselula.
Okuhle nokubi
Iinkonzo
I-Cigna yinkampani yomshuwalense wezonyango kunye neenkqubo ezininzi zokunakekelwa kwezempilo ukuze zilungele impilo yakho ekhethekileyo kunye neemeko zobomi. Unokubaluleka kwamandla emali phakathi kwamashishini amanqaku aphezulu e-inshurensi kunye nokulinganiswa kwenkonzo yabathengi abavela kwi-JD
Amandla kunye nabaNxulumene.
Unomncedisi wezonxibelelwano ogqithisileyo wamayeza angaphezu kwama-500,000 kunye nezibhedlele ezingaphezulu kwama-8,000. Abadokotela bamazinyo abangaphezu kwama-70,000 bakwiinkonzo zononophelo zomnatha kwilizwe. Iwebhusayithi yayo ibanzi kwaye kulula ukuhamba. Akukho kuthunyelwa kuyadingeka ukuze ubone umboneleli wezempilo ongekho ngaphandle, nangona uza kufumana isaphulelo esikhulu ngokusebenzisa ugqirha ngaphakathi kwintanethi. Ezinye izicwangciso zinikeza i-co-pay and options options. I-Cigna ineziko lelizwe lokufownela elivulekileyo 24/7.
Umxhasi
Azikho zonke iindidi zemigaqo-nkqubo ye-inshorensi yempilo, njenge-inshurensi yembono, iyakwazi ukudibaniswa nomgaqo-siseko we-inshorensi yempilo.
Iinkcukacha zoqhagamshelwano nenkampani
Ukuba unomdla wokufunda okungakumbi ngemveliso yomshuwarensi yempilo enikezelwa ngeCigna, unokutyelela kwiwebhsayithi yeCigna okanye ubize u-1-800-243-6998.