Good Health Insurance

Good Health Insurance

Comprehensive Health Insurance plan exclusively on your Citibank Credit card
Comprehensive Health Insurance plan exclusively on your Citibank Credit card

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.

This product comes to you with a choice of having only Mediclaim coverage or only Personal Accident Insurance Policy or to have both coverages under the same insurance policy.

Top reasons to apply for Good Health Policy

  • Covers the entire family with Cashless Hospitalisation benefits with 5,000+ network hospitals facility
  • Applicants less than 60 years of age do not require any medical examination
  • Pre-existing diseases covered after 4 years of continuous claim free coverage

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All your related expenses for up to 30 days before and up to 60 days after hospitalisation are reimbursed under Good Health Insurance. Please note that these expenses must be related to the condition for which you are hospitalised & the claim for hospitalisation is found admissible.

Offers fixed amounts per day to take care of incidental expenses during Hospitalization. It is an option only under certain plans. Hospital Cash benefits are available for upto a maximum of 15 days / 30 days / 200 days. This benefit is not applicable for Day Care Procedures.

Certain medical procedures do not call for long periods of hospitalisation. These procedures that are treated in specialized Day Care centers enable the insured person to be discharged on the same day. Good Health covers many Day Care Procedures. A detailed list is available in the policy wordings for Good Health Insurance.

Good Health provides rewards for claim free record by way of Cumulative Bonus. Sum insured under the policy shall be progressively increased by 5% in respect of each claim free year of insurance subject to maximum accumulation of 10 claim free years. In case of claim under the policy the cumulative bonus shall stand reduced by 5% for the person who has made the claim.

In case of Accident Treatment / ICU, a sum of Rs. 2000 will be paid per day for period of 15 days. This benefit is payable only once during the policy period.

In case of prolonged Hospitalization when confinement to hospital exceeds 21 consecutive days, a lump sum amount of Rs. 15,000 will be payable. This benefit is payable only once during the policy period.

Pre-Existing conditions at the time of applying for insurance shall be covered after 48 months of continuous insurance under this policy.

Personal Accident Coverage is available as an additional/optional cover to your Good Health Insurance Policy. This Plan is available at attractive rates and can be opted as a standalone policy under Good Health Insurance.

In order to ensure continuity Good Health Insurance policy is renewed automatically every year through payments made with your Citibank Credit Card, provided the Credit card has enough credit available to cover the premium amount and is in active status.

You can make a claim under your Good Health Insurance coverage in two ways:

  1. If you plan to get admitted to a hospital that is part of the Good Health network, please call the 24-Hour helpline number of TPA and take an authorization at least 72 hours in advance. This way you can avail of Good Health Cashless Hospitalization benefit. Once your treatment is over, you can simply walk out of the hospital without worrying about the bills. New India will settle the bills directly with the hospital. In case of an emergency hospitalization, you can call TPA up to 48 hours after being admitted to take the authorization.
  2. In case you have to be admitted to any other hospital, you need to send all the bills along with supporting documentation to TPA for reimbursement. The list of hospitals that are currently part of Good Health network is available in the Policy summary booklet that is supplied by TPA.

Using the Cashless Facility, you can walk into any of the networked hospitals, get treated, and walk out without having to pay any of the hospitalisation or medical bills. TPA has tied up with more than 5000+ network hospitals across the country for providing you cashless access. This relaxes you from the hassles of having to pay your bills first and then claiming them from the insurance company as with other medical policies.

  1. TPA will automatically settle your hospitalisation bills subject to the policy you have taken, if the hospital is a network hospital. However, if the hospital you have chosen to get treated in is not part of the network, you will be reimbursed subject to the policy you have taken. In case of emergency, the entire authorisation process would be taken care of by the hospital, and the hospitalisation expenses approved within 6 hours.
  2. To facilitate Cashless Access, TPA will provide you with a non-photo identity card, a booklet to guide you through the process, along with a list of hospitals in the network in your area. To avail Cashless Access, the insured has to prove his/her identity by means of any photo identification such as Voters ID Card, Driver's License or a Citibank PhotoCard.

As per Section 80-D of the Income Tax Act, you are entitled to claim Income Tax deduction up to a maximum amount of Rs.25,000 for premium paid towards self, spouse and dependant children.

In case of premium paid towards dependant parents you can avail an additional benefit up to Rs.25,000 and if they are senior citizens the benefit is extended up to Rs.30,000 in a financial year.

*Any premium paid towards the Good Health Policy will be eligible for Income Tax benefits under Section 80-D of the Income Tax Act, in the assessment year in which the premium is paid. The above exemption is as per the Income Tax Act 1961 and is subject to change as per amendments made there from time to time.

Good Health Mediclaim Premium paid in respect of extended family (In-laws / brother / sister) and Personal Accident Premium are not eligible for consideration for Income Tax benefit.

Applicants less than 60 years of age do not require any medical examination

  1. Should you wish to cancel your Good Health Insurance coverage, you can call 24-hours CitiPhone or write to Citibank.
  2. You can also contact The New India Assurance Co. Ltd. through the contact details mentioned in the attached brochure.
  • This plan at inception and renewal has a free look period of 45 days from the date of receipt of policy. On review of the policy Terms and conditions, if you are not satisfied with this plan, then you can cancel your plan within this
    45 days free look period. You shall be eligible for a refund premium, after deducting applicable risk premium, less the cost of medical examination incurred by the Company and stamp duty charges, where applicable, provided your intimation of cancellation reach us within the free look period. Your policy documents will reach you within 20 days from the date of commencement 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.
  • Citibank Credit card customers and their family members.
  • Minimum and Maximum Entry Ages
    Entry Age Insured Policyholder
    Minimum 91 days 18 Years
    Maximum 65 Years No bar
    Personal Accident
    Entry Age Insured Policyholder
    Minimum 5 Years 18 Years
    Maximum 70 Years No bar
  • For age above 60 years, customer needs to go for medicals.
  • Renewals are available for life long.

Good Health Mediclaim Policy

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Good Health Mediclaim Policy ensures that all medical expenses incurred by you at any one of the Third Party Administrator (TPA) network hospitals will be taken care of directly by them. This Cashless Access policy covers all your planned and emergency hospitalisation expenses.

Assume you have been hospitalised for surgery and incurred the following expenses:

Room board and nursing expenses Rs.30,000 (@ Rs.3,000/day for 10 days)
IC expenses Rs.18,000 (@ Rs.6,000/day for 3 days)
Associated drug and doctor fees
Surgeon and anesthetist fees Rs.50,000
Drugs, oxygen, blood, etc. Rs.52,000
Total Rs.1,50,000

Under a Good Health Mediclaim Policy with Sum Assured of Rs.3,00,000. This amount will be paid directly by TPA to the hospital.

Under this policy, you will be provided with an identity card for each insured member. You will also be provided with a detailed booklet to guide you through the insurance process and its benefits, including a complete list of TPA Network hospitals. In the absence of Photo ID Card, the insured person, while availing Cashless Access, has to prove his/her identity by means of any photo identification such as voters ID Card, driving license or a Citibank PhotoCard.

In case the need for planned hospitalisation arises, all you need to do is contact TPA with a request for pre-authorisation. Furnish details such as nature of illness/disease, hospital where you intend to be treated, estimated costs, etc. On receiving this, TPA will respond within 72 hours by notifying you and the hospital with the relevant details. On admission, all you have to do is submit the authorisation letter and your identity card at the hospital's admission counter.

In case of emergency hospitalisation, the network hospital where you are undergoing treatment will send TPA an application for the relevant authorisation needed to pay for your treatment. TPA will revert within 6 hours of the receipt of this authorisation request. However, if you are admitted to a non-network hospital, you will be reimbursed for your medical treatment as per policy terms and conditions.

This policy is designed to pay for hospital/treatment expenses as per the plan opted. The cover includes charges towards:

  • Consultation fees, tests, surgery expenses.
  • Medicines, blood, oxygen, etc.
  • Hospital room charges, nursing and intensive care.

If you are already covered under Mediclaim (even with the same or other insurance company) which expires on or after the policy start date, your cover takes effect immediately, without any waiting period. Otherwise, your cover takes effect after a standard waiting period of 30 days.

Yes, if the age of the person insured is below 60 years, you can. However, the increased benefits are not applicable for those illnesses/diseases/disabilities suffered during previous policy periods. The claim for the said illnesses/diseases/disabilities if admitted shall be processed as per the previous year's policy limits only.

Age profile for increase of Sum

  • Insured up to 60 years can shift to any plan.
  • Between 61 to 65 years can opt for increase in sum insured by one slab.
  • Persons above 65 years - Sum insured increase is not allowed, can renew policy life long for same sum Insured.

This is a unique opportunity to cover the entire family at a nominal cost, with the added matchless benefits of automatic renewal and cashless facility.

You will have to get in touch directly with TPA, the third party administrator, Citibank not get involved in any manner whatsoever. You will also undertake to intimate TPA, fill up the Claim Form and support claims with appropriate documents as per the normal procedure laid down by the Insurance Company/TPA.

Good Health Personal Accident Insurance Policy

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Accidents do not always result in loss of life. Loss of eye, limbs or fingers could also happen. Such instances (in addition to loss of life) are also covered.

The insurance benefits uniformly take effect for everybody from the day the policy begins, that is, from the first of the month following the date you register for your policy. You will receive insurance certificates within 6 weeks of the policy start date.

General FAQs

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For Policies commencing from 1/11/2012 onwards (both fresh & renewal)
M/s M.D.India Health Services (TPA) Pvt Ltd.
You can contact MD India by mailing to

Chennai Hub address for servicing Citibank Customers
M/s M.D.India Health Services (TPA) Pvt Ltd.
Mount Casa Blanca Building, 3rd Floor,
260, Anna Salai, Chennai 600 006.

In case of claims or insurance certificates not received after the specified date, kindly get in touch with the New India Assurance Company Ltd., at the address given below:

Senior Divisional Manager,
The New India Assurance Co. Ltd.,
Allied's Mount Casa Blanca,
No. 260, II floor, Anna Salai, Chennai - 600 006.
Telephone: 2345 6824, 2345 6826, 2345 6827
Telefax: 2345 6825 or
mail to

Standard Insurance 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

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.