Cigna 2015 Annual Report Download - page 7
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5
We focus on health improvement and risk management
to engage individuals in improving their health and
productivity. Critical to this process is the partnering
and sharing of information with physicians who are
incentivized to deliver high quality, more cost-eective
health outcomes for individuals.
Cigna also develops personalized solutions that are
optimized for delivery at the local level. Our approach
to highly aligned incentive and engagement programs
is reflected in our commitment to collaborative care.
As a leader in expatriate benefits for individuals working
abroad, we have one of the largest proprietary networks
of health care providers globally,4 which provides us with
the capability to deliver integrated health and wellness
products in many parts of the world.
GLOBAL SUPPLEMENTAL BENEFITS
Cigna’s rapidly growing Global Supplemental Benefits
business segment delivered attractive growth and
profitability in 2015 on a currency-adjusted basis. This
segment serves growing middle class and seniors
populations globally with expanding private
solutions and innovative direct-to-consumer
distribution capabilities.
Ongoing customer growth and strong retention was
reflected in 2015 premium and fees growth of 12 percent,
excluding the impact of foreign currency movements,
to $3 billion, with adjusted income from operations1
of $262 million.
We oer easy to use, aordable and personalized
health, life and accident insurance products directly
to consumers in Asia and other target markets
around the world.
GROUP DISABILITY AND LIFE
Cigna is a leader in productivity optimization
programs in the U.S.5 through our group disability,
life and accident insurance operations.
2015 results, with premiums and fees from business
growth increasing eight percent over 2014 to $3.9 billion
and full-year adjusted income from operations1 of
$324 million, underscore the ongoing value we
deliver across the disability, life and accident lines.
Leveraging our medical and specialty products,
we oer an integrated value proposition with
best-in-class return to work results and top-tier
returns.5 These programs harness Cigna’s innovative
and eective solutions to improve the quality of
life for individuals, while optimizing productivity
for our employer clients.
CONFRONTING A DYNAMIC ENVIRONMENT
Cigna consistently delivers strong performance
for our stakeholders in an environment characterized
by a rapidly evolving health care landscape and
significant global challenges.