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Insurance Products
All the principal holders of the Citibank World MasterCard credit cards are insured under the World MasterCard credit card holder insurance program*. This insurance program available only for the principal holders of the World MasterCard credit cards is intended for covering the risks related to traveling abroad and offers the maximum level of comfort and security. The insurance costs are included into the annual service fee of the World credit cards.
Main advantages of the insurance
- It could be used to apply for visa to the most countries of the world. You won’t have to purchase medical insurance when entering another country.
- It covers extreme kinds of sports, such as mountain skiing, snowboarding, diving and rafting.
- It includes personal liability insurance when travelling abroad, within the specified limits.
- It allows you to receive administrative support and legal advice within the specified limits.
- Unlimited number of travels during the year.
Description of the program
The insurance program for the World MasterCard credit card holders, provided by the insurance company ZAO Chartis covers a wide range of the accidents insured, and will allow you to afford medical and transportation assistance when travelling abroad, to recover the expenses connected to the delay or loss of your baggage, flight delay, as well as to receive administrative support and legal advice within the specified limits.
Below is a detailed list of expenses covered by the insurance company:
| Expenses covered by the insurance company | Limit of coverage |
| Emergency Medical Expenses due to Accident or sudden and unexpected Sickness during trips outside the territory of the RF, only if Insured Person is not a citizen or permanent resident of the country, where insured trip take place and Travel assistance package due to Accident or sudden and unexpected Sickness during trips outside the territory of the RF, including: | € 50000 |
| Transportation to medical institution | € 25000 |
| Repatriation of the Insured Person | € 25000 |
| Repatriation of body of the Insured Person to the place of permanent residence including reimbursement of coffin | € 10000 |
| Emergency travel repatriation of child(ren) (in case of hospitalization of the Insured) | € 1500 |
| Emergency travel expenses for a family member of the Insured Person | € 1500 |
| Legal assistance following automobile accident | € 3000 |
| Bail bond due to auto accident | € 3000 |
| Administrative Assistance in case of loss or theft of passports, tickets | Included |
| Arranging for message services re insured event | Included |
| Search for the lost or delayed baggage of the insured (if the baggage was in custody of a registered carrier) | Included |
| Baggage loss if the baggage was in custody of common carrier (purchase receipts are required) (deductible €50) | € 2000 |
| - per 1 bag/suitcase (max. 2 bags/suitcases) | € 1000 |
| - per 1 pair/item | € 350 |
| Baggage delay from 5th hour (expenses for necessary (1) personal toiletries (2) replacement of clothing) | € 350 |
| Flight delay from 5th hour (expenses for food and necessary personal toiletries) | € 350 |
| Personal Liability Abroad | € 15000 |
| Accidental Death and Permanent Total Disability as a result of accident | € 35000 |
The detailed information on the terms of payment of the insurance indemnities, exceptions and the documents necessary for receipt of payments is given in "The policy conditions of comprehensive insurance against accidents and illnesses when travelling abroad, personal liability insurance and critical illnesses".
Conditions of the program
Participation in the program is only allowed for Citibank’s clients – principal holders of the World MasterCard credit cards at the age of 22 through 70. If the person is older than 65 years, the limit amounts of the insurance coverage are decreased according to the Policy conditions of insurance.
The insurance program comes into effect starting from the date of issue of the credit card and is valid for 1 calendar year. The insurance program is automatically extended for the next year in case the client has not cancelled the World MasterCard and the credit card is activated.
All the insurance coverages are valid for 60 consecutive days within one trip, the number of trips during a year is not limited. The mandatory condition for the insurance program applicability relating to each individual trip is a valid transaction using the World MasterCard during this trip, specifically:
- payment for tickets, tours, hotel accommodation;
- payment for Duty Free goods;
- any purchase with the credit card outside of the Russian Federation.
Insurance certificate
The insurance certificate is issued 7 days after the date of issue of the World MasterCard credit card and is sent to the clients by Russian Post. The original certificate together with its copy and "The instructions for the insured persons" are sent to the client.
In case of an urgent need for the insurance certificate you can address the 24-hour CitiPhone Banking service or any office of Citibank and request a copy of your insurance certificate. The copy will be prepared and delivered to the specified office of Citibank within 5 days since the day of the request.
The things your must do in case of an accident insured
- Call the service centre immediately! The telephone number of the service centre is on your insurance certificate. The insurer has the right to refuse the recovery of the accident-related expenses or the assistance in the situation if you fail to contact the service center immediately after the accident insured.
- Follow the Operator’s instructions. The Operator will arrange the required assistance at the cost of the Insurer. If, upon consultation with the operator, you decide to defray the accident-related expenses, these expenses will be compensated upon your return. For this, you need to submit an accident notice and the documents necessary payment of the insurance indemnities to the Insurance company.
- The procedure of application for the insurance indemnity and the list of the necessary documents is given in "The policy conditions of comprehensive insurance against accidents and illnesses when travelling abroad, personal liability insurance and critical illnesses" and in the List of documents mandatory for submission in case of an accident insured.
Please be informed that when addressing the Insurer you will be required to provide your first and last name and your credit card number. The Insurer reserves the right to refuse any assistance and compensation in case of an accident if the transaction made with your credit card is not confirmed.
Addressing of the client to the Insurer means that He/She is informed about the necessity to provide the Insurer with His\Her personal information, including the confirmation of transactions effected with His/Her World
credit card, for the Insurer to fulfill his obligations under the insurance agreement.
* This insurance program is an offer of ZAO Chartis (license C No.3947 77, issued 29.12.09 by the Federal Insurance Supervision Service). ZAO CB Citibank, Citigroup, Inc. or affiliated bodies, governmental authorities or the state of Russian Federation are not liable under this risk insurance agreement.
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