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The City of Portland is committed to providing employees with options to guard against life’s unexpected illnesses and injuries and partnered with Cigna Healthcare to offer Critical Illness, Accidental Injury, and Hospital Care Insurance. These benefits are 100% employee paid and are portable. This means you can take the coverage with you if you leave the City of Portland.
Critical illness insurance
Being diagnosed with a critical illness is hard enough, but you should not have to worry about how it impacts your finances as well. That’s why having Cigna Healthcare Critical Illness insurance is so important.
What It Is:
A cash benefit paid directly to you when you are diagnosed with a covered illness, such as a heart attack or stroke. This video explains the benefit in more detail.
Benefit Example:
Coverage: Marco enrolled in $10,000 worth of coverage
Situation: Marco had a heart attack while raking leaves2
Marco’s Covered Benefit: heart attack diagnosis
Critical Illness Benefit: $10,000 paid directly to Marco
Critical Illness premiums are provided here and vary according to your age and level of coverage you select: $5,000, $10,000, $20,000, or $30,000.
Accidental Injury Insurance
No one can protect you from unexpected accidents or injuries. Accidents happen every two (2) seconds at home and every nine (9) seconds on the road. Accidental Injury Insurance pays an after tax, lump sum benefit directly to you to help with expenses. Examples of covered incidents include hospitalizations, broken bones, and certain surgeries. Cigna Healthcare Accidental Injury insurance offers coverage that can help you recover physically, emotionally, and financially.
What It Is:
A cash benefit paid directly to you when you face an unexpected, covered accident, such as an ankle sprain or arm fracture. This video explains the benefit in more detail.
Benefit Example:
Coverage: Chloe elected Accidental Injury Insurance
Situation: Chloe broke her leg playing soccer2
Chloe’s Covered Benefits:
- Doctor’s office visit
- Diagnostic exam (X-ray)
- Repaired fracture
- Physical therapy sessions
Accidental Injury Benefit: $1,200 paid directly to Chloe
Accidental Injury Premiums:

Costs are subject to change. Actual per pay period premiums may differ slightly due to rounding.
Hospital Indemnity Insurance
A hospital stay can happen at any time, and can add up quickly — medical bills; travel, food and lodging costs; plus, the day to-day expenses that don’t stop while you’re in the hospital. Cigna Healthcare Hospital Care can provide you and your loved ones with additional financial protection and can help cover these unexpected events – so you can focus on getting better.
What It Is:
A cash benefit paid directly to you1 when you experience a covered hospital3 stay for events such as an in- patient procedure or the birth of a child. This video explains the benefit in more detail.
Benefit Example:
Coverage: Susan elected Hospital Care Insurance
Situation: Susan was hospitalized following a car accident2
Susan’s Covered Benefits:
- Hospital admission
- Hospital ICU stay
- Hospital stay
Critical Illness Benefit: $2,000 paid directly to Susan
Hospital Care Premiums:

Costs are subject to change. Actual per pay period premiums may differ slightly due to rounding.
All Cigna Healthcare Supplemental Insurance Plans
Key Features to Consider:
- Flexible. Use the money however you want. Pay for anything, including medical deductibles, childcare, transportation, and more. It’s up to you.
- Supplement your medical plan. Benefits are paid in addition to other coverage you may have.
- Cost-effective. Your premium is conveniently deducted from your paycheck at a low group rate.
Easy Access to Your Benefits:
- Submit your claim online on myCigna.com® or on SuppHealthClaims.com.
- Cigna Healthcare reviews your claim.
- Benefit payment is sent directly to you.1
- Benefits may be paid directly to you or anyone you designate, such as a hospital, upon assignment.
- This is an example used for illustrative purposes only. Your plan’s actual costs and benefit amounts may vary. Exclusions and limitations apply.
- The term “hospital” does NOT include a clinic, facility or unit of a hospital for: (1) Rehabilitation, convalescent, custodial, educational, hospice or skilled nursing care; (2) the aged, drug addiction or alcoholism; or (3) a facility primarily or solely providing psychiatric services to mentally ill patients.
- This is an example used for illustrative purposes only. Your plan’s actual costs and benefit amounts may vary. Exclusions and limitations apply.
Supplemental Health Resources
Additional Critical Illness, Accidental Injury and Hospital Indemnity plan details including exclusions and limitations can be found here.