Cigna Corporation  (CI)
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Cigna Corporation Segments

Health Care
   88.92 % of total Revenue
Disability & Life
   10.77 % of total Revenue
Other Operations
   0.31 % of total Revenue

Business Segments (Sep. 30, 2015)
(in millions $)
III. Quarter
(of total Revenues)
(Sep. 30, 2015)
(in millions $)
III. Quarter
(Profit Margin)
Health Care
8,090.00 88.92 % 544.00 6.72 %
Disability & Life
980.00 10.77 % 62.00 6.33 %
Other Operations
28.00 0.31 % 17.00 60.71 %
9,098.00 100 % 623.00 6.85 %

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Growth rates by Segment (Sep. 30, 2015)
Y/Y Revenue
III. Quarter
Q/Q Revenue
(Sep. 30, 2015)
Y/Y Income
III. Quarter
Q/Q Income
Health Care
7.81 % -1 % 25.35 % -10.08 %
Disability & Life
7.69 % 0.2 % 12.73 % -19.48 %
Other Operations
-20 % -6.67 % -10.53 % -5.56 %
3.89 % -0.89 % 17.33 % -11 %

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To get more information on Cigna's Health Care, Disability & Life, Other Operations, Total segment. Select each division with the arrow.


Business Segments Description

Health Care Segment

CIGNA HealthCare

Disability and Life Segment

CIGNA Group Insurance

Retirement Segment

CIGNA Retirement & Investment Services

International Segment

CIGNA International

Run-off Reinsurance Segment

CIGNA Reinsurance

Other Operations consists of:

deferred gains recognized from the 1998 sale of the individual life insurance and annuity business;

corporate life insurance on which policy loans are outstanding;

settlement annuity business; and

certain investment management services.

CIGNA’s Health Care operations offer a wide range of managed care and indemnity products and services primarily to meet the needs of employers of all sizes and their employees and dependents. These operations also provide disability and life insurance products which were historically sold in connection with certain experience-rated medical accounts and continue to be managed by CIGNA’s health care business. These products and services are provided by subsidiaries of CIGNA Corporation.

Products and Services

CIGNA’s Health Care operations provide a wide array of products and services to satisfy the benefit needs of employers and their employees and dependents, as described below:

managed care products and services, such as:

medical health maintenance organizations (“HMOs”),

point-of-service (“POS”) medical plans,

managed dental programs,

managed behavioral health care services and employee assistance programs,

medical cost and utilization management, and

managed pharmacy programs and pharmaceutical fulfillment services; and

indemnity products and services, such as:

medical and dental preferred provider organizations (“PPOs”),

traditional medical and dental indemnity,

indemnity pharmacy programs, and

disability and life insurance products historically sold in connection with certain experience-rated medical accounts.

Managed Care Products and Services

Managed care products provide for an effective, efficient use of health care services by coordinating utilization of care and controlling unit costs through provider contracts. Managed care products and services include those described below.

Medical Health Maintenance Organizations. HMOs generally offer the most cost-efficient form of health care coverage. Members typically choose a primary care physician from CIGNA’s provider network. Primary care physicians are responsible for the member’s primary medical and preventive care. In some cases, a member must receive a referral from his or her primary care physician to receive services from a participating specialist or medical facility that are covered under the member’s plan.

CIGNA also provides an open access HMO product. This product offers the member an HMO network of providers without the requirement of a referral from the primary care physician in order to have services provided by a participating specialist or medical facility covered under the member’s plan.

CIGNA delivers its medical HMOs principally through individual practice association (“IPA”) models.

Under an IPA model, the HMO contracts with independent physicians and hospitals to provide services to members. IPA models typically cover wide geographic areas and have low fixed costs. They rely on cost-effective contracts with providers and appropriate medical cost and utilization management to deliver quality medical care at an appropriate cost. CIGNA has one medical HMO that offers the consumer both an IPA model and a staff model. In a staff model, physicians and certain other providers are employees of the medical HMO.

D. Disability and Life

CIGNA’s Group Insurance operations provide the following insurance products and their related services: long- and short-term disability insurance, group life insurance, and accident and specialty insurance. These products and services are provided by subsidiaries of CIGNA Corporation.

Life Insurance

Group life insurance products include group term life, group universal life and group variable universal life insurance. Group term life insurance may be employer-paid basic life insurance or employee-paid supplemental life insurance.

E. Retirement

CIGNA’s Retirement operations provide investment products and professional services to sponsors of qualified and non-qualified pension, profit sharing and retirement savings plans. This segment’s businesses also offer corporate life insurance, principally to Fortune 1000 companies, and operate a retail broker-dealer operation and a federal savings bank. Except for certain investment management services provided by unaffiliated entities, as described below, the products and services related to this segment are provided by CIGNA subsidiaries.

CIGNA markets a Total Retirement Services® offering, which integrates tax qualified and non-qualified defined contribution and defined benefit products and services. Non-qualified plans are primarily used to provide supplemental retirement benefits to highly compensated employees in addition to the benefits offered under the qualified plan.

Corporate Life Insurance

Corporate life insurance products are permanent life insurance contracts sold to corporations to provide coverage on the lives of certain of their employees. Permanent life insurance, which is non-participating, provides coverage that when adequately funded does not expire after a term of years and builds a cash value that may equal the full policy amount if the insured is alive on the policy maturity date. Non-participating insurance does not pay dividends, but deviations from assumed experience may be reflected in future policy values.

F. International

CIGNA’s International operations (“International”) provide various coverages, products and services in selected markets outside the United States, principally in Asia (mainly South Korea, Hong Kong and Taiwan) and Europe (mainly the United Kingdom and Spain). In addition, CIGNA provides group benefits products in numerous markets for expatriate employees of multinational companies.

G. Run-off Reinsurance

Until June of 2000, CIGNA offered reinsurance coverage for part or all of the risks written by other insurance companies under life and annuity policies (both group and individual); accident policies (personal accident, catastrophe and workers’ compensation coverages); and health policies. These products were sold principally in North America and Europe through a small sales force and through intermediaries.


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