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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)

Various Preventive Healthcare & Wellness services namely Health related articles on our Website & Doctor on Chat.

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: RSAHLGP21439V022021

  • 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

Health Forever - UIN-IRDAI/NL-HLT/RSAI/P-H/V.II/211/13-14

Lifeline - UIN-IRDAI/HLT/RSAI/P-H/V.II/32/15-16

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

Insurance products are obligations only of the Insurance company. They are not bank deposits or obligations of or guaranteed by Citibank N.A, Citigroup Inc or any of its affiliates or subsidiaries or any Governmental agency. All claims under the policy will be solely decided upon by the Insurance Company. Citibank, Citigroup or any of their affiliates and group entities hold no warranty and do not make any representation about the insurance, the quality of claims processing and shall not be responsible for claims, recovery of claims, or for processing of or clearing of claims, in any manner whatsoever. This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Investment products are not available to US persons and may not be available in all jurisdictions.

The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

Participation by the bank's customers in an insurance product is purely on a voluntary basis.

*IRS Circular 230 Disclosure: Citigroup, Inc., its affiliates, and its employees are not in the business of providing tax or legal advice to any taxpayer outside of Citigroup, Inc. and its affiliates. This document is not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax benefits are subject to changes in the tax laws. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Citibank N.A. is a registered Corporate Agent of Tata AIA Life Insurance Company Limited, New India Assurance Company Limited, Royal Sundaram General Insurance Company Limited, Aditya Birla Health Insurance Company Limited, Bajaj Allianz General Insurance Company Limited and HDFC Ergo Health Insurance Limited under the composite license number CA0086 issued by IRDAI.

Life Insurance Policies: These policies are underwritten by Tata AIA Life Insurance Co. Limited (IRDAI Registration No. 110)
CIN: U66010MH2000PLC128403 with its registered office at 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg,
Lower Parel, Mumbai 400013.

All guaranteed benefits are payable only when all premiums are paid when due.

Investment risk in the investment portfolio is borne by the Policy Holder. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associate with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his or her decision. Tata AIA Life is only the name of the Insurance Company and the funds offered are only the names of the funds and does not in any way indicate the quality of the contract, its future prospects or returns.

Non-life Insurance Policies: Policies are underwritten by New India Assurance Company Limited (IRDAI Registration No. 190) CIN: U99999MH1919GOI000526 with its registered office at No.87, Mahatma Gandhi Road, Fort, Mumbai – 400 001, by Royal Sundaram General Insurance Company Limited (IRDAI Registration No. 102) CIN:U67200TN2000PLC045611 with its registered office at No. 21, Patullos Road, Chennai 600 002 or by Bajaj Allianz General Insurance Company Limited (IRDAI Registration No. 113) CIN: U66010PN2000PLC015329 with its registered office at Bajaj Allianz House, Airport Road, Yerawada, Pune 411 006.

Specialist Health Insurance Policies: These policies are underwritten by Aditya Birla Health Insurance Co. Limited (IRDAI Registration No. 153) CIN: U66000MH2015PLC263677 with its registered office at 9th Floor, One World Centre, Tower 1, Jupiter Mills Compound, S.B. Marg, Elphinstone Road, Mumbai 400 013 or by HDFC ERGO General Insurance Company Ltd (IRDAI Registration No. 146) CIN: U66030MH2007PLC177117 with its registered office at 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020

For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding the sale.

For any queries with respect to your Insurance Policies bought through Citibank N.A., kindly contact 24 x 7 CitiPhone, The updated numbers are available on

  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.