Not Enough Coverage? Top Up!
Not Enough Coverage? Top Up!

Top Up Insurance - Super Health XS Policy is an extra safety net that provides additional health insurance cover over and above any existing insurance available, brought to you by Citibank through Royal Sundaram General Insurance Company.

Super Health XS

Super Health XS

Top Up Insurance - Super Health XS Policy is an extra safety net that provides additional health insurance cover over and above any existing insurance available, brought to you by Citibank through Royal Sundaram General Insurance Company.

  • The core benefits of this plan are similar to normal health insurance products i.e. hospitalisation and domiciliary expenses reimbursement.
  • However, this plan comes in to effect in case the claim amount is large - exceeding a certain threshold limit, known as "Deductible"
  • Deductible is the amount which will be compulsorily deducted from every claim/aggregate claim per annum under this product.

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

In this day and age of increasing medical expenses, you can effectively get full coverage by combining a regular health policy with a top up cover at significantly lower premium rates.

Cashless hospitalisation facility in more than 4,000 network hospitals.

Hospital Cash Benefit of Rs.2,000 per day subject to a maximum of 10 days (applicable in case Sum Insured is greater than or equal to Rs.5 Lakh).

Certain medical procedures do not call for long periods of hospitalisation. This plan shall pay for medical expenses for day care procedures (requiring less than 24-hours of hospitalisation) also.

Emergency ambulance charges, for transporting the patient to the hospital, up to a limit of Rs.1000 per admissible hospitalisation, will be reimbursed, upon producing bills in original.

Your Super Health XS policy can be renewed automatically every year through standing instructions for payments to be made with your Citibank Credit Card / Citibank Account.

You can avail of tax exemption up to Rs.25,000 Under Sec 80D on the premium paid by you towards Super Health XS InsurancePolicy . Premium paid on behalf of yourself, your spouse, your dependent children is exempt up to Rs.25,000. This is as per the current tax laws and is subject to change as per amendments made from time to time.

#The above exemption is as per the Income Tax Act 1961 and is subject to change as per amendments made from time to time.

You can make a claim in two ways:

  • Get admitted to a hospital that is part of the Super Health XS Insurance network, call the 24-hours toll free helpline (1800-345-33-22) and take an authorisation at least 72-hours in advance. Thus you can avail of Super Health XS Insurance Cashless hospitalisation benefit. Royal Sundaram General Insurance Company will settle the bills directly with the hospital. In case of an emergency hospitalisation, call Third Party Administrator within 48-hours after being admitted to take the authorisation.
  • If you are admitted in any other hospital, send all your bills along with supporting documentation to Royal Sundaram General Insurance Company. You will be reimbursed, if the claim is found to be admissible as per the policy Terms and conditions.
  • Should you wish to cancel your Top Up Insurance - Super Health XS Policy coverage, you can call 24-hours CitiPhone or write to Citibank.
  • You can also contact Royal Sundaram General Insurance Company through the contact details mentioned in the attached brochure.

Any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice / treatment, within 48 months prior to your first policy with us would not be payable until 48 months of continuous coverage have elapsed, since inception of the first Super Health XS Insurance Policy with us.

  • This plan, at inception, has a free look period of 15 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 15 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 15 days from the date of debit of your card / account.
  • 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.
Eligibility Criteria
  • Citibank Customers & their family members.
  • Persons between the age group of 91 days to 65 years.
  • No Medical check up till the age of 60.


  • Self, Spouse, Dependent Children aged from 91 days to 21 years of age.
  • Tenure of the policy will be for 2 Years.
  • Renewals are available for Life Long.

IRDAI Advertisement No: RS-NL-Citi-2022-23-30

  • 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

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.