Feel Protected instantly
Feel Protected instantly

In our day to day lives, minor sickness or critical illnesses can strike anyone anytime and these come unannounced. So unless we are prepared to handle such contingencies, we may spend more time making financial arrangements or billing transactions than spending it with our loved ones in times of need. Citibank brings to you an exclusive health insurance plan from Royal Sundaram General Insurance Company that provides you with comprehensive benefits like cashless hospitalization, pre and post hospitalization expense coverage, a 10% increase in Sum Insured for every claim free year and lots more. You can enroll yourself and your family without any medical tests and get the policy issued online instantly!.

This plan covers the expenses incurred towards inpatient hospitalisation for a period of more than 24hrs, for the illnesses/diseases contracted or injury sustained by the insured person during the period of insurance, which will be for one year. The policy can be renewed annually.


Cover for accidental hospitalisation without any waiting period.

All your related expenses for up to 30 days before and up to 60 days after hospitalisation are reimbursed under Group Health Policy.

No need for compulsory 24 hours inpatient hospitalization for certain procedures.

Available for an amount of Rs.40,000 covered after two years of continuous coverage for insured member from the date of first policy commencement date. (This benefit is available only under a floater policy)

The sum insured shall be increased by 10% every year, if you or your family members do not make any claim during the policy period of 12 months. This annual increase will be capped up to a maximum of 50%.

Ambulance Charges up to Rs.3000/-

Instant Policy, No Medical Test

Cover from the date and time of premium payment

Cashless hospitalisation in around 4000 hospitals across India.

Premium paid towards Group Health Policy will be eligible for Income tax benefits under section 80D in the assessment year in which the premium is paid. This is available on premium paid by you on behalf of yourself, your spouse and dependent children upto a maximum of 25,000* per year.

*The above exeption is as per the Income tax act 1961 and is subject to change as per amendments made thereto from time to time.

You (Insured Person) have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. If You have any objections to any of the terms and conditions, you may cancel the Policy stating the reasons for cancellation and provided that no claims have been made under the Policy, we will refund the premium paid by you after deducting the amounts spent on any medical check-up, stamp duty charges and proportionate risk premium for the period on cover. All rights and benefits under this Policy shall immediately stand extinguished on the free look cancellation of the Policy. The free look provision is not applicable and available at the time of Renewal of the Policy.

In case you cancel your coverage after the free look period, refund of premium shall be as per the short period rates mentioned in the policy.

You can contact Royal Sundaram General Insurance Co. Limited through the contact details shared in the brochure. In case you cancel your policy after the free look period, refund of premium shall be as per the short rates mentioned in the policy.

  • Citibank customers and their family members
  • Self (Citibank customer) and spouse: 18-55 years
  • Dependent children: 91 days to 25 years
  • Indian citizens residing in India who are Citibank customers

IRDAI Advertisement No: RS-NL-Citi-2022-23-17

  • Enjoy up to Rs2,500 Bonus Reward Points* on your first spend with the Citibank Rewards Card.
  • IndianOil Citibank Platinum Credit Card.


Good Health Group Mediclaim Policy - IRDA/NL-HLT/NIA/P-H/V.I/342/13-14

Group Health Policy - UIN - IRDAI/NLHLT/RSAI/P-H/V.I/184/13-14

Lifeline - UIN-RSAHLIP21054V022021

Top-up - UIN-IRDAI/NL-HLT/RSAI/P-H/V.I/209/13-14

Smart Cash - UIN-IRDAI/HLT/RSAI/P-H/V.II/181/14-15

Personal Accident Care Platinum - UIN-IRDAI/NL-HLT/RSAI/P-P/V.I/187/13-14

Individual Personal Accident Insurance - UIN-IRDA/NL-HLT/RSAI/P-H/V.I/215/13-14

Apollo Munich Health Plan UIN: IRDA/NL-HLT /AMHI/P-H/V.1/15/13-14

Group Personal Accident Insurance UIN: IRDA/NL-HLT /AMHI/P-P/V.1/109/13-14

Optima Restore UIN - IRDAI/HLT/AMHI/P-H/V.III/1/2016-17

Axis Bank Limited ("Axis Bank") is registered with Insurance Regulatory & Development Authority of India ("IRDAI") as a Corporate Agent (Composite), IRDAI Registration No. CA0069 (valid till 31st March 2025) for distribution of Insurance Products. Axis Bank currently has a corporate agency agreement with (A) Max Life Insurance Co. Ltd, Life Insurance Corporation of India (LIC), Tata AIA Life Insurance Co. Ltd.  and Bajaj Allianz Life Insurance Co. Ltd. for distribution of life insurance products; (B) Tata AIG General Insurance Co. Ltd, New India Assurance Co.  Ltd, Bajaj Allianz General Insurance Co. Ltd, Royal Sundaram General Insurance Co. Ltd and ICICI Lombard General Insurance Co. Ltd for distribution of general insurance products. For distribution of health insurance products, Axis Bank has a corporate agency agreement with Aditya Birla Health Insurance Co. Ltd, HDFC ERGO General Insurance Co. Ltd and Niva Bupa Health Insurance Co. Ltd.

You can avail insurance from any of these insurers through Axis Bank as per your requirement and discretion. Please note that insurance is underwritten by the respective Insurance Companies and Axis Bank does not underwrite the risk or act as an insurer. The contract of insurance is between the Insurance Company and the insured only, and not between Axis Bank and the insured. Axis Bank is only acting as a distributor of the insurance products offered to by the insurance companies.

Axis Bank is not responsible or liable for performance of any obligations under the contract of insurance. Insurance is sold as a stand-alone product and not linked to any of the Banking products. Participation in Insurance is purely on a voluntary basis. Purchase of Insurance is not a pre-condition of availing any of the banking products/services. 

The product information given on the website is indicative in nature. Nothing contained herein is to be construed as advice, recommendation, offer for a policy or any other assistance. Axis Bank does not guarantee that this website reflects latest amendments/ information at all times or at any time. For IRDAI grievances: For more details on risk factors, product details, terms and conditions and exclusions please read the relevant product brochure carefully before conclusion of sale.

Address: Axis Bank Limited, Corporate Office, Bombay Dyeing Mills Compound, Pandurang Budhkar Marg, Worli, Mumbai - 400 025.  Tel: 18604195555. Email:

Beware of Spurious Phone calls and Fictitious/Fraudulent offers: IRDA of India clarifies to public that:

  • 1. IRDA of India or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premium.
  • 2. IRDA of India does not announce any bonus, Public receiving such phone calls are requested to lodge a police complaint.

  1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an Insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the Insurer.
  2. Any person making default in complying with the provisions of this section shall be liable for penalty which may extend to ten lakh rupees.