You can often access cashless service using your Cigna or CignaLinks cards. If this is not possible, you can re-claim for eligible benefits where you have made payment to providers.



The claims process will depend on whether or not you are in a CignaLinks country, as listed in the Plan Details section of this website.

Cigna global claim form: Cigna International Medical/Dental/Vision Form for medical, dental and vision claims. Please refer to the claim form for mailing and contact information.

Filing a claim

Understand the claims filing process.

Tracking your personal claims

It’s easy to stay on top of your claims. Find out how.


Learn about your options for receiving payment.

Filing a complaint

In case of an issue, know how to file a complaint.


Filing a Claim

If you are in a CignaLinks country, please see below:

CignaLinks Country Medical Dental & Vision
Australia (members of GU Health) A separate hard card will be provided for use in country Claims should be submitted via the Cigna global claim form above
Hong Kong/
A co-branded CignaLinks card will be provided. Medical claims will be handled by the CignaLinks provider Claims should be submitted via the Cigna global claim form above
Brazil/South Africa/Spain A separate hard card will be provided for use in country. Medical claims will be handled by the CignaLinks provider Claims should be submitted via the Cigna global claim form above

For any other inquiries, see Contacts.

Alternatively, you do not need to include a claim form if you provide Cigna with a confirmation of your medical condition and treatment details as follows:

  • Details of the treatment you received (consultation, x-ray)
  • Details of your symptoms/condition (e.g. stomach ache, back pain)
  • The invoice from the doctor/dentist
  • Confirmation of how you want your claim reimbursed
  • Your e-mail address in case of questions
Important - Timely claims filing

Claims should be filed within the year they are incurred. Please ensure all claims are submitted in a timely fashion. Claims incurred more than 12 months prior may not be covered.


Tracking Your Personal Claims

Simply go to to track the progress of your claim. Manually submitted claims will be paid within 10 days on average if all of the necessary information is provided. On occasion you may be asked to provide additional information regarding your claim. This is not unusual and your provider should be willing to provide information to Cigna.

Tips on how to speed up the claims process

When you submit your claim, provide a diagnosis or explanation of treatment and state how and where you want the reimbursement paid.



Cigna will pay claims by electronic funds transfer or cheque in the currency of your choice. Please remember to provide full bank details when requesting a bank transfer, including any international routing codes and/or prefixes (e.g., IBAN, SWIFT, BIC, ABN and ABA). Contact your bank to confirm any specific requirements or receiving fees apply. (Note: this is not commonplace; Cigna cannot cover these but can send a cheque instead)

Claim reimbursement is usually made in the same currency as the claim (unless you want Cigna to credit a bank account in your home country with an equivalent sum).


Filing a  Complaint

We hope you never have to, but if you have any cause for complaint, please contact Cigna.

Contact Method Contact Information
By mail Cigna, 1 Knowe Road, Greenock, PA15 4RJ, United Kingdom
By phone +44 (0)1475 492 197
By email

Cigna will acknowledge your complaint within five business days of it being received by them as required under UK regulatory obligations and aim to resolve all complaints fairly, consistently and promptly. Cigna will also notify Rio Tinto when complaints are received to allow Rio Tinto to monitor Cigna's performance.

If the complaint is not resolved to your satisfaction, you may wish to use an independent dispute resolution scheme. As Cigna's services are provided from the UK, you can refer your complaint to the Financial Ombudsman Service (FOS).

Contact Method Contact Information
By mail The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall, London, E14 9SR United Kingdom
By email

The FOS can handle most complaints, and can be contacted in over 25 languages. If for any reason the complaint is out of their jurisdiction, they may be able to advise you of what you need to do. Their decision is binding on Cigna but you may reject it without affecting your legal rights.