How to dispute a Cigna health claim or ruling

If you are unhappy with a decision made by Cigna and believe that they denied coverage erroneously, there is an official process you can follow to resolve disputes. This will involve gathering documents and supporting evidence in an official statement to the insurer.

Complaints

Any complaint should first be sent to Cigna. There are several ways to contact them. You can find their contact information in our article, How to contact Cigna. Upon receipt of the complaint, Cigna will determine the validity and offer a solution.

Escalation

If the complaint is not resolved, it may be referred to the English Financial Ombudsman at: The Financial Ombudsman Service Exchange Tower London E14 9SR Telephone: 0800 0 234 567 or outside of the UK: +44 (0) 2079 640 500 Email: complaint.info@financial-ombudsman.org.uk

According to Cigna's terminology, the Financial Ombudsman Service "can adjudicate most (but not all) complaints. Its decision is binding on Cigna, but the person making the complaint may reject the decision without affecting their legal rights (including their right to bring court proceedings). Unless specifically agreed to the contrary, [your insurance policy] is governed by, and will be interpreted in accordance with, the law of England and Wales."

Any disputes arising from your insurance policy, including disputes about its validity, formation and termination, will be determined exclusively in the courts of England and Wales.

Help is available

If you need support in your dispute with an insurer, reach out to Expat Insurance at  claims@expatinsurance.com

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Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.