Anything can happen in life. Be prepared and get yourself and your family financially protected against the unforeseeable! By taking out CiV Life’s Citi Protection from Personal Accident insurance, you and your loved ones will have financial peace of mind in unforeseen circumstances.
Participation in the insurance programs is voluntary and has no bearing on your application for any other banking product or service.
You can choose one of the following types of coverage:
The amount of coverage available under each program type may be RUB 1,500,000, RUB 3,000,000 or RUB 6,000,000.
For detailed information about the terms and conditions of benefit payout, the insurance claim documents and the exclusions, please refer to the Insurance Rules of «Strakhovaya Kompaniya CIV Life» (for customers who enrolled after June 29, 2016).
The terms and conditions for customers who enrolled before June 29, 2016:
Customers who enrolled before April 1, 2008, should refer to the Insurance Policy Terms of ZAO «Strakhovaya Kompaniya AIG Life» (current name — AO «Insurance Company MetLife»).
The Individual Type is available to Citibank customers aged between 18 and 65 years. The Family Type is available to Citibank customers aged between 18 and 65 years, their spouses aged between 18 and 65 years and legally married to them as of the date of occurrence of an insured event, and their children aged between 2 and 18 years as of the date of occurrence of an insured event. The children are only insured against the disability risk.
To enroll in the program, you need to familiarize yourself with the Insurance Rules. The insurance contract comes into effect on the first day of the month following the month of the first insurance premium deduction from the customer’s account. Each customer receives an insurance certificate and the Insurance Rules:
You can order a copy of the insurance certificate by contacting CitiPhone or visiting a Citibank branch, at any time.
The insurance coverage extends worldwide.
Insurance rates depend on the chosen type of insurance. Upon your instruction, Citibank will deduct the insurance premium from your account on a monthly basis on the date of statement issue (in the case of a credit card) or on the date of monthly deduction (in the case of a debit card).
|Insurance coverage, RUB||1,500,000||3,000,000||6,000,000|
|Insurance coverage for children, RUB||1,500,000||3,000,000||3,000,000|
|Hospitalization, payment per day of hospitalization beginning with the 8th day, RUB||900||1,500||3,600|
|Insurance fee per month, RUB||600||1,170||2,370|
|Insurance coverage for adults, RUB||1,500,000||3,000,000||6,000,000|
|Insurance coverage for children, RUB||No||No||No|
|Hospitalization, payment for a day of stay beginning with the 8th day, RUB||900||1,500||3,600|
|Insurance fee per month, RUB||330||660||1,350|
A young couple with two children decides to enroll in the Family program. For just RUB 79 per day (RUB 2,370 per month), they get personal accident insurance and are eligible for the following benefits:
If the insurance is cancelled within the first thirty (30) days of its commencement, the insurance premium will not be charged, or, if it has been paid, will be refunded, unless an insured event has occurred.
You can enroll in the program by contacting a Citibank branch.
For additional information, please call CitiPhone or visit a Citibank branch.
* «Citi Protection from Personal Accident» is an offer of OOO «Strakhovaya Kompaniya CIV Life» (Licenses СЖ № 4105, СЛ № 4105 dated May 19, 2017, issued by the Central Bank of the Russian Federation). AO Citibank acts as an agent of the insurer and does not charge agency fees from individuals. AO Citibank, Citigroup Inc., their affiliates, government agencies and the Russian Federation are not liable for the insurer’s performance under the insurance contract. Funds under the program are not insured in accordance with the Federal Law «On the Insurance of Individuals’ Deposits at Russian Banks». This is non-investment insurance which does not provide for a refund of the insurance program participation fee for the insurance period elapsed. If the insured cancels the insurance contract within the first thirty (30) days of its commencement date, the insurance premium will not be charged, or, if it has been paid, will be refunded, unless an insured event has occurred.
AO Citibank may receive fees from the insurance company payable on the basis of the above premium to cover its administrative costs.