﻿<?xml version="1.0" encoding="utf-8"?>
<!--
Taxonomy based on XBRL standard Version 2.1.
Created by UBmatrix Taxonomy Designer 2.5.2641.2110 (2006-11-29 17:31).  
Contact www.ubmatrix.com
Copyright (c) 2002-2007 UBmatrix inc., All Rights Reserved
Produced on 2007-01-05 14:51:04
-->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:ci="http://www.xbrl.us/patterns/2007/GrandTotalSubtotalsCalculation" targetNamespace="http://www.xbrl.us/patterns/2007/GrandTotalSubtotalsCalculation" elementFormDefault="qualified" attributeFormDefault="unqualified">
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="GrandTotalSubtotalsCalculation-label.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="GrandTotalSubtotalsCalculation-presentation.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="GrandTotalSubtotalsCalculation-calculation.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Calculation Links, all" />
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <element id="ci_IncomeTaxExpense" name="IncomeTaxExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
  <element id="ci_IncomeTaxExpenseAbstract" name="IncomeTaxExpenseAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" nillable="true" />
  <element id="ci_IncomeTaxExpenseCurrent" name="IncomeTaxExpenseCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
  <element id="ci_IncomeTaxExpenseCurrentAbstract" name="IncomeTaxExpenseCurrentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" nillable="true" />
  <element id="ci_IncomeTaxExpenseCurrentDomestic" name="IncomeTaxExpenseCurrentDomestic" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
  <element id="ci_IncomeTaxExpenseCurrentForeign" name="IncomeTaxExpenseCurrentForeign" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
  <element id="ci_IncomeTaxExpenseDeferred" name="IncomeTaxExpenseDeferred" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
  <element id="ci_IncomeTaxExpenseDeferredAbstract" name="IncomeTaxExpenseDeferredAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" nillable="true" />
  <element id="ci_IncomeTaxExpenseDeferredDomestic" name="IncomeTaxExpenseDeferredDomestic" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
  <element id="ci_IncomeTaxExpenseDeferredForeign" name="IncomeTaxExpenseDeferredForeign" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
</schema>
