CIGNA CORP
10-Q, EX-12, 2000-08-03
HOSPITAL & MEDICAL SERVICE PLANS
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EXHIBIT 12


CIGNA CORPORATION
COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES

(Dollars in millions)

Six Months Ended
June 30,
2000 1999

Income from continuing operations before income taxes     $ 666   $ 837  


Fixed charges included in income:  
    Interest expense    53    61  
    Interest portion of rental expense    22    32  


Total fixed charges included in income    75    93  
Minority interest    23    --  


Income available for fixed charges   $ 764   $ 930  


RATIO OF EARNINGS TO FIXED CHARGES    10.2    10.0  




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