HEALTH & ACCIDENT INSURANCE POLICIES

Hassle-free Health Coverage For Your Family.
Hassle-free Health Coverage For Your Family.

Enjoy cashless hospitalization coverage, personal accident coverage and other health benefits by insuring yourself and your family with an appropriate health insurance policy. Citibank offers a range of health insurance solutions for varied needs like Personal Health, Family Health, Group Health and Personal Accident. Depending on your current life stage , you may want to select an appropriate plan for yourself and your family.

Life Insurance

Life Insurance

Citibank brings to you a wide range of Life Insurance plans which combine investments and Insurance, offering complete coverage for you and your loved ones.

Insurance across your Life Stages
  • Young Professional

    If you're single, you may think that you don't have a need for health insurance. However, there are several reasons why you will need it.

    What's the best plan for you?

    An individual medical insurance plan that provides adequate coverage and cashless coverage across 3,000 hospitals. In case you have an existing cover with your employer, you can also choose to enhance the same via a top up cover.

  • Health Insurance Plans
  • Hospital Cash
Health Insurance Plans

Health Forever

Health Forever

Looking for a health insurance plan that provides not only complete medical assistance but also extra benefits? The Health Forever plan offers cashless hospitalization, and pre and post hospitalization coverage.

Apollo Munich Health Plan for Citibank Customers

Apollo Munich Health Plan for Citibank Customers

Apollo Munich introduces a plan exclusively for Citibank customers offering unbelievable benefits such as an auto-reinstatement of the sum insured in a policy year, a 50% no claim bonus for every claim free year, coverage for outpatient treatment, an annual health Check benefit, a sublimit free inpatient hospitalisation coverage and lots more....

Top Up Insurance - Super Health XS

Top Up Insurance - Super Health XS

The Super Health XS is a top up health insurance that provides additional coverage for your existing insurance cover. The plan also provides cashless hospitalization at over 3,000 hospitals and a daily hospital cash benefit of Rs.2,000.

Lifeline

Lifeline

Life style choices can make a difference in your health. Each stage of life brings different health challenges and health care needs. Lifeline is a health insurance policy which works for you as you want. This product is brought to you by Citibank through Royal Sundaram General Insurance Co. Limited.

Good Health Insurance

Good Health Insurance

Good Health Policy offers you and your family a complete protection plan for your peace of mind. It offers the benefits of medical insurance, daily cash benefit and personal accident coverage in a single policy. Good health policy is brought to you by The New India Assurance Company Limited.

Group Health Policy

Group Health Policy

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!

Optima Restore

Optima Restore

Apollo Munich Health Insurance Co. Ltd. (AMHI) introduces a Restore benefit that automatically re-instates the basic sum insured in case you exhaust it in a policy year.

Hospital Cash

Smart Cash

Smart Cash

Here's a daily cash benefit plan that offers a daily payout for every 24-hours of hospitalization. The Smart Cash plan also provides coverage for incidental expenses arising out of hospitalization.

  • Just Married

    Marriage signals the start of a new family, and gives hope to new beginnings. Now health insurance is even more important because someone else is financially tied to you. Taking a policy for your better half is the first concern that you must address.

    If both you and your partner earn incomes, each of you may be financially dependent on the other's income to maintain the same standard of living. At such a time, health risks can be a serious blow to your savings.

    What's the best plan for you?

    A Family Floater plan with advanced options like maternity and dental cover is best suited for you. If you already have a health insurance cover (either through your employer or individually) you can choose to enhance the same for yourself and your family members, with a top up cover that provides a deduction up to the insurance amount that you already have.

  • Health Insurance Plans
  • Hospital Cash
Health Insurance Plans

Apollo Munich Health Plan for Citibank Customers

Apollo Munich Health Plan for Citibank Customers

Apollo Munich introduces a plan exclusively for Citibank customers offering unbelievable benefits such as an auto-reinstatement of the sum insured in a policy year, a 50% no claim bonus for every claim free year, coverage for outpatient treatment, an annual health Check benefit, a sublimit free inpatient hospitalisation coverage and lots more....

Top Up Insurance - Super Health XS

Top Up Insurance - Super Health XS

The Super Health XS is a top up health insurance that provides additional coverage for your existing insurance cover. The plan also provides cashless hospitalization at over 3,000 hospitals and a daily hospital cash benefit of Rs.2,000.

Lifeline

Lifeline

Life style choices can make a difference in your health. Each stage of life brings different health challenges and health care needs. Lifeline is a health insurance policy which works for you as you want. This product is brought to you by Citibank through Royal Sundaram General Insurance Co. Limited.

Group Health Policy

Group Health Policy

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!

Optima Restore

Optima Restore

Apollo Munich Health Insurance Co. Ltd. (AMHI) introduces a Restore benefit that automatically re-instates the basic sum insured in case you exhaust it in a policy year.

Hospital Cash

Smart Cash

Smart Cash

Here's a daily cash benefit plan that offers a daily payout for every 24-hours of hospitalization. The Smart Cash plan also provides coverage for incidental expenses arising out of hospitalization.

  • Married with kids

    Your family is precious to you, and you cannot compromise their health needs. A family health insurance guarantees you peace of mind from health-related financial worries. Whether your child is a newborn, or you have a toddler running around, you need to ensure that there your future savings are not affected by healthcare costs.

    What's the best plan for you?

    A Family Floater plan with advanced options like maternity and OPD cover is best suited for you. You must also consider buying a Personal Accident policy as this would guarantee critical protection for your family's future in the event of your demise resulting from an accident or a permanent total disability.

  • Health Insurance Plans
  • Personal Accident
Health Insurance Plans

Apollo Munich Health Plan for Citibank Customers

Apollo Munich Health Plan for Citibank Customers

Apollo Munich introduces a plan exclusively for Citibank customers offering unbelievable benefits such as an auto-reinstatement of the sum insured in a policy year, a 50% no claim bonus for every claim free year, coverage for outpatient treatment, an annual health Check benefit, a sublimit free inpatient hospitalisation coverage and lots more....

Lifeline

Lifeline

Life style choices can make a difference in your health. Each stage of life brings different health challenges and health care needs. Lifeline is a health insurance policy which works for you as you want. This product is brought to you by Citibank through Royal Sundaram General Insurance Co. Limited.

Good Health Insurance

Good Health Insurance

Good Health Policy offers you and your family a complete protection plan for your peace of mind. It offers the benefits of medical insurance, daily cash benefit and personal accident coverage in a single policy. Good health policy is brought to you by The New India Assurance Company Limited.

Group Health Policy

Group Health Policy

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!

Optima Restore

Optima Restore

Apollo Munich Health Insurance Co. Ltd. (AMHI) introduces a Restore benefit that automatically re-instates the basic sum insured in case you exhaust it in a policy year.

Personal Accident

Personal Accident Care Platinum

Personal Accident Care Platinum

The Personal Accident Care Platinum is a personal accident insurance plan that pays a fixed lump sum to your nominee in the event of your demise or disablement. This plan also provides 24-hour worldwide coverage.

Personal Accident Insurance

Personal Accident Insurance

The Personal Accident Care plan offers worldwide coverage at unique premiums. Your family will receive a fixed lump sum in the unfortunate event of your demise or permanent total disablement due to an accident.

Personal Accident Insurance

Group Personal Accident, Platinum Plan for Citigroup bank Customers

Group Personal Accident Insurance Platinum Plan of Apollo Munich Health Insurance Company Limited, helps you safeguard the financial interest of your family. It is a 24-hours worldwide personal accident cover that pays a fixed lump sum amount to your nominee in the unfortunate event of your death or to you in case of permanent total disablement due to an accident.

  • Wealth Capitalist & Closing Retirement

    With your retirement nearing, you would be looking to put your feet up and finally rest. But, this is also the time when most health risks can occur. Taking a health insurance is a must at this time. Why must your lifelong savings be spent on medical needs? Health policies can be bought by people up to 60 years of age while Accident plans are available for those up to 70 years of age.

    What's the best plan for you?

    A Family Floater plan that not only provides cashless hospitalization across 3,000 hospitals but also covers your entire family is an ideal plan for you. You must also consider buying a Personal Accident policy as this guarantees critical protection for your family's future in the event of your demise.

  • Health Insurance Plans
  • Hospital cash
  • Personal Accident
Health Insurance Plans

Apollo Munich Health Plan for Citibank Customers

Apollo Munich Health Plan for Citibank Customers

Apollo Munich introduces a plan exclusively for Citibank customers offering unbelievable benefits such as an auto-reinstatement of the sum insured in a policy year, a 50% no claim bonus for every claim free year, coverage for outpatient treatment, an annual health Check benefit, a sublimit free inpatient hospitalisation coverage and lots more....

Lifeline

Lifeline

Life style choices can make a difference in your health. Each stage of life brings different health challenges and health care needs. Lifeline is a health insurance policy which works for you as you want. This product is brought to you by Citibank through Royal Sundaram General Insurance Co. Limited.

Good Health Insurance

Good Health Insurance

Good Health Policy offers you and your family a complete protection plan for your peace of mind. It offers the benefits of medical insurance, daily cash benefit and personal accident coverage in a single policy. Good health policy is brought to you by The New India Assurance Company Limited.

Group Health Policy

Group Health Policy

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!

Optima Restore

Optima Restore

Apollo Munich Health Insurance Co. Ltd. (AMHI) introduces a Restore benefit that automatically re-instates the basic sum insured in case you exhaust it in a policy year.

Hospital cash

Smart Cash

Smart Cash

Here's a daily cash benefit plan that offers a daily payout for every 24-hours of hospitalization. The Smart Cash plan also provides coverage for incidental expenses arising out of hospitalization.

Personal Accident

Personal Accident Care Platinum

Personal Accident Care Platinum

The Personal Accident Care Platinum is a personal accident insurance plan that pays a fixed lump sum to your nominee in the event of your demise or disablement. This plan also provides 24-hour worldwide coverage.

Personal Accident Insurance

Personal Accident Insurance

The Personal Accident Care plan offers worldwide coverage at unique premiums. Your family will receive a fixed lump sum in the unfortunate event of your demise or permanent total disablement due to an accident.

Personal Accident Insurance

Group Personal Accident, Platinum Plan for Citigroup bank Customers

Group Personal Accident Insurance Platinum Plan of Apollo Munich Health Insurance Company Limited, helps you safeguard the financial interest of your family. It is a 24-hours worldwide personal accident cover that pays a fixed lump sum amount to your nominee in the unfortunate event of your death or to you in case of permanent total disablement due to an accident.

Disclaimers:

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

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.

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 and Apollo Munich Health Insurance Company 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 or 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.

Specialist Health Insurance Policies: These policies are underwritten by Apollo Munich Health Insurance Co. Limited
(IRDAI Registration No. 131) CIN: U66030AP2006PLC051760 with its registered office at Apollo Hospitals Complex, Jubilee Hills, Hyderabad - 33.

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 www.citibank.co.in

SECTION 41 OF THE INSURANCE ACT 1938 PROHIBITION OF REBATES
  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.