@Teresa9801 Maybe . Cigna states it may be taxable if the payment exceeds the cost of the medical expenses.
Look at the Cigna website and the footnote: (it this why you are getting a lump sum payment? did you buy this policy?)
https://www.cigna.com/individuals-families/shop-plans/supplemental/lump-sum-cancer-insurance
2 Benefits received in excess of medical expenses may be considered taxable income. Consult your tax advisor.
