Actually, my question is about insurance regulations & consumer protections imposed by the domicile (EU vs Guernsey) on insurance companies, which would supersede their stated general conditions.
For example, EU's GDPR controls what a company, such as Google, can and can't do with an EU user's personal information, regardless of Google's corporate privacy policy. Anyone signing up for Gmail from within the EU gets the GDPR protections. I think Google paid a few billion$ to the EU for violating GDPR.
https://www.compliancejunction.com/gdpr-frequently-asked-questions/
"Does GDPR Apply to non-European Union Citizens?"
Just today I received an email from an AOC broker. He said they sell insurance from the EU Cigna. He also said the EU Cigna offers more consumer protections than Cigna Guernsey. Unfortunately, he gave no examples 😞
I now have the Cigna "Policy Rules" from both domiciles. Next step is to compare them for differences.
(BTW I think I read a previous comment of yours, which said you switched from Cigna to April. If true, did you ever say why you switched, in a post or comment you can point me to? Thanks)