CIGNA Identity Theft Insurance
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1 CIGNA Identity Theft Insurance
2 Some precautions you can take to help protect your identity If you lose any of your cards, notify your bank immediately. If you lose your passport or driver licence, contact the relevant authority. Remember, the sooner you report it, the more you can minimise the risk. Be cautious about any information you give over the phone or internet. Only give out your personal details if you have initiated the contact and trust the other party. If you re giving information online, you should check the privacy policy and make sure the web page is secure by looking for a lock icon in the status bar. Make sure that the passwords you use for everyday things are different from those you use for your banking. Avoid passwords that might be easy to guess. Once you ve finished with statements, take a moment to shred or burn them, rather than putting them straight into the rubbish. If you re moving, use a mail redirection service and tell your bank and all other organisations you deal with, as soon as possible. Consider putting a lock on your letterbox.
3 CIGNA Identity Theft Insurance 1. About the Policy 2. Definitions 3. What you are insured for 4. Other terms and conditions 5. Policy Exclusions 6. How to use your Policy
4 Your Policy important This booklet contains the terms and conditions that apply to your CIGNA Identity Theft Insurance Policy. This booklet and the Policy Schedule form the basis of the contract between you (as the Policy Owner) and the insurer, CIGNA Life Insurance New Zealand Limited (CIGNA). Please make sure that the Policy meets your requirements and if you have any questions or want further information do not hesitate to contact CIGNA directly. If you decide you do not wish to continue with the Policy you must notify CIGNA within 30 days of taking out the Policy and prior to submitting the documentation to obtain your Veda Credit File. Any premiums that you have paid will be refunded and CIGNA will confirm in writing to you that the Policy has been cancelled. If you cancel outside this 30 day period or after submitting the documentation to obtain your Veda Credit File there will be no refund of premiums.
5 1. About the Policy Your CIGNA Identity Theft Insurance provides protection against Identity Theft and helps correct your Credit File held with Veda Advantage (Veda) if you are the victim of Identity Theft. The Policy is underwritten by CIGNA which will be responsible for all claims and administration of this Policy. CIGNA s contact details are on the back page of this booklet. All correspondence to you will be sent to the most recent address that CIGNA and Veda hold on record for you. If your details change it is your responsibility to notify CIGNA. Meanings of important and frequently used words and terms are set out under Section 2 Definitions. CIGNA has partnered with Veda to provide you with copies of your Credit File, credit check alerts and assistance with correcting your credit history and file. Veda receives a fee each year while your Policy remains in force. Veda is the largest custodian of credit-related information in New Zealand and Australia.
6 2. Definitions The following words and terms appear in the Policy Schedule and/or in the Policy Wording. They are defined as: Anniversary Date means the date 12 months after the Cover Start Date and the same date every year after that. Business means your occupation, profession, trade or other means of employment. Cover Start Date is shown on the Policy Schedule and means the date that the cover began. Credit File means a file to demonstrate the New Zealand credit history of individuals, including loan applications that were not approved, defaults on loans, bankruptcy, and other adverse events. Identity Theft means the act of utilising stolen personal information or identity documents within New Zealand to impersonate another individual and fraudulently obtain loans, access accounts, apply for credit cards, or establish accounts within New Zealand in the name of the Insured. Insured means the Policy Owner. Legal Costs means costs and expenses associated with the provision of legal services by retained legal counsel. Loss of Income means the loss of personal income due to time off from your work as a result of an Identity Theft; solely from your efforts to amend records regarding your identity. Major Event means an instance, or related series of instances, where the identity or identification of multiple individuals is stolen from the same source, or by the same means. Policy means the terms and conditions applying to this insurance, as described in the Policy Wording and the Policy Schedule. Policy Owner means the person named in the Policy Schedule. Relative means spouse, siblings, children and parents.
7 3. What you are insured for CIGNA s Insurance Promise Provided the terms and conditions are met and the premiums are up to date CIGNA promises to provide the Policy Owner with the following benefit(s): Credit File Monitoring To help you monitor your Veda Credit File, Veda will provide you with a copy on completion of the Personal Credit File and Credit Alerts form. An up to date copy of your Credit File held by Veda will be sent to you each year upon payment of the annual premium. Credit Alerts Credit alerts are sent by Veda in respect of any credit-related enquiries being made on your Veda Credit File. The credit alert will be sent by the method chosen by you on the Personal Credit File and Credit Alerts form. Restoring your Credit File If Identity Theft occurs while the cover is current Veda will help you to investigate the fraud, correct your credit history held with Veda including correcting the details on your Veda Credit File and providing details of all parties who need to be contacted. Insurance Cover Where we have confirmed that Veda is unable to resolve your Identity Theft and correct and restore your Credit File, CIGNA will pay: a total of up to $10,000 for reasonable Legal Costs required to restore your Credit File a total of up to $600 if you suffer a Loss of Income as a result of your efforts to resolve your Identity Theft. This will be assessed on the basis of $200 per full work day lost.
8 4. Other terms and conditions Legal Costs You must inform CIGNA that you intend to incur Legal Costs and we must give approval before you engage a lawyer. CIGNA will pay up to $10,000 of the Legal Costs. If possible you should seek pre-approval for the amount of any Legal Costs before such costs are incurred. Loss of Income You must inform CIGNA if you need to take time off work to resolve your Identity Theft, and CIGNA must give approval. Policy Changes CIGNA may change any of the terms and conditions applying to this Policy. Any changes will apply to all policies, not just yours, and CIGNA will write to you at renewal to advise you of any changes. Premiums The premium payable is shown on the Policy Schedule and is payable annually. The premium will be charged on the Anniversary Date and will be charged each year until the Policy stops. CIGNA may review and adjust the premium rates at any time. If the rates are changed they will apply to all policies, not just yours, and CIGNA will write to you at renewal to advise you of your new premium. Policy Cover Dates The Policy will stop when any one of the following happens: if the annual premium remains unpaid in which case cover will end on the date the last premium was paid up to; CIGNA has paid claims to a total of $20,000 under your Policy; the Policy Owner requests that CIGNA cancels this Policy; or CIGNA cancels all policies effective from the next Anniversary Date, giving you at least 90 days notice in writing.
9 Policy Reinstatement If your Policy is reinstated by CIGNA, your Cover Start Date will be shown on your Policy Schedule as the date of reinstatement. Cover under the Policy will apply from the date of reinstatement and any Identity Theft which occurred while the Policy was lapsed will not be covered. Disputes If you have a complaint, in the first instance you should contact CIGNA to discuss it. Refer to the Contacts section for the details. This will initiate CIGNA s internal complaints resolution process. Where appropriate we will refer your complaint to Veda. Their terms and conditions may apply. CIGNA is a member of the Insurance and Savings Ombudsman scheme which is a free, independent service which can help settle any unresolved disputes you may have. Any dispute or action relating to this Policy will be determined in accordance with New Zealand law. Policy Cancellation This Policy does not have any surrender or cash value. There will be no refund of premiums unless: you advise CIGNA, within 30 days of taking out the Policy and prior to submitting the documentation to obtain your Veda Credit File, that you wish to cancel it. Policy Ownership Ownership of this Policy can not be transferred to any other person or entity. Maximum Liability If a Major Event occurs which leads to claims from more than 25 policyholders then CIGNA reserves the right to restrict its liability in relation to such claims to a total of $250,000 pro rata across all such policyholders.
10 5. Policy Exclusions CIGNA Identity Theft Insurance provides cover for credit file monitoring, credit alerts and restoring your credit file but does not provide cover for any Loss of Income or Legal Costs where: your Identity Theft is still under investigation by Veda; the identity stolen was a commercial identity or your losses arise out of your Business activity; the Identity Theft occurred as a direct or indirect result of any criminal activity you engaged in; the Identity Theft occurred prior to the Cover Start Date whether you were aware of the Identity Theft or not; the Identity Theft was not confirmed through the services of Veda or the New Zealand Police, other than under exceptional circumstances if agreed to by CIGNA at CIGNA s sole discretion; the Identity Theft has not been reported to the New Zealand Police; the Identity Theft was committed by a Relative; or the need to incur legal costs or the need to take time off work to resolve your Identity has not been pre-approved by CIGNA. CIGNA Identity Theft Insurance does not provide cover for any of the following: any direct financial loss including transactions, goods or services you have been charged for, or that were purchased as a result of Identity Theft; fraudulent use of your identity outside New Zealand; or any costs associated with an action in defamation you bring because of Identity Theft.
11 6. How to use your Policy If as a result of receiving a credit alert or a copy of your Veda Credit File you believe that your identity has been stolen please follow the below steps; contact CIGNA on ; contact the New Zealand Police and report the crime if your identity has been stolen; and contact the credit providers involved and inform them of the fraudulent activity if your identity has been stolen. If we are unable to resolve your concern and you wish to claim for Legal Costs or Loss of Income please contact CIGNA as soon as possible to obtain approval, and to request a claim form. The claim form will be sent out within 24 hours of the request. The Policy must be active to claim. You will need to complete the claim form and return it to CIGNA together with any supporting documents that CIGNA may reasonably require at your expense such as: copies of invoices for Legal Costs together with timesheets and an explanation of the work done and any disbursements incurred copy of New Zealand Police report evidence of Loss of Income. About CIGNA CIGNA is owned by a Fortune 500 company which is one of the world s largest publicly owned financial services companies. We currently protect more than 275,000 Kiwis and can trace our history in New Zealand back more than 85 years. Like you, we re proud of who we are, what we do and the things we stand for, and we understand how important it is to protect that reputation.
12 To contact CIGNA By phone By for general information about your policy, including premiums, address changes etc. to register a complaint claims.nz@cigna.com to request a claim form or ask any questions related to a claim By letter CIGNA Life Insurance PO Box Wellington 6142 By fax A copy of CIGNA s latest financial statements is available on request. CIG338 09/09/1101/01
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