Insurance

Choose the insurance option that you wish with your Citi credit card.

Hospital Cash Insurance

Choose an optional insurance with your Citi credit card - Hospital Cash Insurance, which we offer in co-operation with AIG CZECH REPUBLIC pojišťovna, a.s.

You will obtain the following benefits with Hospital cash Insurance:

• The insurance benefit of up to CZK 2,000 in case of hospitalisation will be paid directly to you; you can use it as you like.
• You are insured 24 hours a day, 7 days a week, 365 days a year, whether you are travelling in the Czech Republic or anywhere in the world, working or doing sports.
• The paid insurance benefits are added up.
• You can conclude the insurance policy for your whole family.
• You can choose the insurance coverage that suits you best.

Monthly premium

The premium is paid monthly via your Citi credit card.

Monthly premium	Option A	Option B
Personal insurance	CZK 199	CZK 399
Family insurance	CZK 399	CZK 799

Review of insurance coverage

Insurance coverage	Option A	Option B
Hospitalisation	CZK 500	CZK 1000
Hospitalisation (ICU)	CZK 1000	CZK 2000

If both you and your partner are hospitalised at the same time, double benefit would be paid if you have a family policy for this period. Insurance benefits for children are reduced to 50 % .

Arranging the insurance

All you have to do is call our CitiPhone customer line at 233 062 222.
Every holder of the Citi credit card aged 18 to 59 may conclude the insurance policy.

It is easy to arrange the insurance policy:
• Without a medical examination
• Regardless of your job

You do not need to meet with the insurance company’s representative in order to arrange the insurance policy.

Termination of the insurance policy

The insurance policy may be terminated at any time, all you have to do is contact the CitiPhone customer line at 233 062 222 and it will be terminated as of the date of the following premium payment after the application has been accepted. However, it is not possible to renew the insurance again. If you are not satisfied with the insurance, you can cancel it within 30 days from the beginning of the insurance policy and we will return the paid premium back to you upon request, provided that an insured event has not occurred. If an insured event has occurred, the paid insurance benefit would be subtracted from the premium.

Insured event

If an insured event occurs, immediately contact the Settlement of Claims Department of the company AIG CZECH REPUBLIC pojišťovna, a.s.

Tel. 234 108 311

You will find the complete insurance terms and conditions here.

CreditShield Insurance

CreditShield Insurance will protect you and your family against unexpected and adverse life situations. Citibank offers the CreditShield Insurance in co-operation with the company POJIŠŤOVNA CARDIF PRO VITA, a.s., which is the provider of this insurance.

Insurance coverage

• Death

In case of death as a result of illness or accident your current balance will be covered.


• Total disability

In case of total disability as a result of illness or accident your current balance will be covered.


• Long term disability

In case of long term disability as a result of illness or accident the insurance company will pay your minimum monthly instalments up to the amount of CZK 55,555 per one instalment.

• Credit card fraudulent misuse

In case of your credit card’s fraudulent misuse as a result of its loss or theft the unauthorized transactions are covered up to CZK 10,000. The insurance policy applies to events that occurred already two days before you asked for your card to be blocked at CitiPhone.

Monthly, the insurance costs you only 0.69% of the current balance on your card on the day when the credit card statement is issued.

CreditShield insurance is optional, it may be cancelled any time; however, it is not possible to renew it. Moreover, you may ask to be returned the insurance fee if you cancel within 30 days from the insurance policy’s activation.

Insured event

If an insured event occurs, immediately contact the company POJIŠŤOVNA CARDIF PRO VITA , a.s. at

Tel.: +420 296 368 888
Fax: +420 296 368 880

You will find other detailed terms and conditions regarding the CreditShield Insurance in the Insurance Policy and General Insurance Terms and Conditions.

If you have not activated the CreditShield Insurance yet and you are interested in this product, all you have to do is contact CitiPhone at  +420 233 062 222 or apply on-line.

Insurance of Regular Payments

The optional Insurance of Regular Payments is offered by Citibank Europe plc, in cooperation with the company POJIŠŤOVNA CARDIF PRO VITA, a.s., which acts as the insurance provider.

Insurance of Regular Payments offers protection of your periodic expenses and payments quickly and easily. You can now be prepared every month for unforeseen and adverse events in your life.

Choose the option that most closely corresponds to your needs:

Insurance STANDARD
Insurance STANDARD offers you protection from the following risks:

• Death
  In the case of death as a result of illness or accident of the insured, the insurance company will pay a one-time benefit in the amount of CZK 100,000.
• Full disability
  In the case that you will be granted full disability by the reason of injury or illness, the insurance company will pay a one-time benefit in the amount of CZK 100,000. You may then use this amount to fully or in part pay off any debts.
• Sick leave
  If you are granted sick leave by the reason of injury or illness which last continuously longer than 30 days, the insurer will make a benefit payment of CZK 2,500 monthly for each calendar month during the sick leave over a period of up to 12 months; this amount may be used to cover your regular monthly expenses.

Insurance PLUS
Insurance PLUS offers you protection from the following risks:

• Death In the case of death as a result of illness or accident of the insured, the insurance company will pay a one-time benefit in the amount of CZK 100,000.
• Full disability In the case that you will be granted full disability by the reason of injury or illness, the insurance company will pay a one-time benefit in the amount of CZK 100,000. You may then use this amount to fully or in part pay off any debts.
• Sick leave If you are granted sick leave by the reason of injury or illness which last continuously longer than 30 calendar days, the insurer will make a benefit payment of CZK 2,500 monthly for each calendar month during the sick leave over a period of up to 12 months; this amount may be used to cover your regular monthly expenses.
• Loss of Employment In the case of loss of employment which last continuously longer than 60 calendar days, the insurer will make a benefit payment of CZK 5,000 monthly for each calendar month during the loss of employment of the insured over a period of up to 6 months; this amount may be used to cover your regular monthly expenses.

Who can be insured?

• STANDARD and PLUS Insurance of Regular Payments can be concluded by a physical person older than 18 years and is less than 60 years old, who is a Citibank credit card holder, is not granted sick leave, is not currently retired, and is not on partial or full disability and answer following conditions which can be found here.
• Insurance PLUS is available to any physical person older than 18 years, who is currently employed under contract for an indefinite period and meets the general conditions of the insurance coverage, which can be found here.
• The insurance coverage expires when the insurance holder reaches the age of 65 years

When is the insurance valid?

At 12 midnight on the first working day after the insurance has become activated

Monthly insurance premium

The monthly fee is paid by your credit card

Applying for insurance

It is enough to call our non-stop customer service line CitiPhone at  233 062 222.

Applying for the insurance is easy:

• No need for a doctor’s examination
• Regardless of your profession

During the application process, there is no need for you to meet with a representative of the insurance company.

Cancellation of the insurance

• The insurance can be cancelled at any time by contacting our non-stop customer service line CitiPhone at 233 062 222. Once cancelled, the insurance cannot be reactivated.
• If you are not satisfied with the insurance coverage, the insurance policy can be cancelled anytime within 30 days after activation and the insurance premiums will be automatically credited to your card.

Insured event

In the case of an insured event, please contact the company POJIŠŤOVNA CARDIF PRO VITA , a.s. immediately at the following numbers:
 Tel.: +420 234 240 270
 Fax: +420 234 240 112

Additional detailed conditions of the insurance, including exclusions, can be found in Insurance contract and General Insurance Conditions .

Credit Card Protection Insurance 100

Loss or theft of your credit card is always unpleasant, especially if somebody manages to draw money from your account without authorisation. Citibank offers you an insurance policy that will protect you against the consequences of loss or theft of your credit card and it also applies to the replacement of your personal documents and keys lost or stolen together with your card. Citibank Europe plc, organizační složka offers the Credit Card Protection Insurance in co-operation with POJIŠŤOVNA CARDIF PRO VITA, a.s., which is the provider of this insurance. The insurance policy may be concluded for all basic Citi credit cards and it also applies to supplementary cards, if the basic credit card is insured.

Insurance coverage

• Unauthorized transactions

In case of theft or loss of your credit card the unauthorized transactions are covered up to CZK 100,000, if they occurred no more than 72 hours before the request to block your card

• Unauthorized internet transactions

In case of theft or loss of your credit card the unauthorized transactions are covered up to CZK 30,000, if they occurred no more than 72 hours before the request to block your card

• Keys replacement

In case your keys were lost or stolen together with your credit card you will receive the compensation up to CZK 3,000

• Personal documents replacement

In case your personal documents were lost or stolen together with your credit card you will receive the compensation up to CZK 5,000

The insurance benefit for one illegitimately used credit card will be provided three times in one calendar year at the most.
Peace of mind in case of loss or theft of your credit card costs you only CZK 79.00 a month.

Activate your Credit Card Protection Insurance at CitiPhone  233 062 222.

Main Principles of the Credit Card Protection Insurance you will find here.

You will find other detailed terms and conditions regarding the Credit Card Protection Insurance in the Insurance Policy and General Insurance Terms and Conditions.

How to report an insured event

If an insured event occurs, immediately contact the company POJIŠŤOVNA CARDIF PRO VITA, a.s.
Tel.: +420 296 368 888
Fax: +420 296 368 880

Credit Card Protection Insurance is optional, it may be cancelled any time; however, it is not possible to renew it. Moreover, you may ask to be returned the insurance fee if you cancel within 30 days from the insurance policy’s activation. 

Travel Insurance

With Travel Insurance, you are prepared for the most unexpected situations anywhere in the world. You no longer have to waste time by arranging travel insurance before your trip, so you can fully attend to planning your trip.

The insurance applies to common recreational sports, including winter sports; it includes the insurance of medical expenses, accident insurance, liability insurance and other insured events. The scope of the insurance coverage is up to CZK 4,000,000 depending on the Travel Insurance option.

Travel insurance is offered in these options: personal, family and extended family. The personal option is for holders of the basic card; the family and extended family options are for holders of the basic card and for family members accompanying the holder of the basic card (family means husband/wife or partner sharing the same household and any number of children).

You will find the General Insurance Terms and Conditions of travel insurance of AIG CZECH REPUBLIC pojišťovny, a.s. here and in case of claim for a form click here.

See the Valuation Table of the Permanent Corporeal Injury in Case of Accident here

Travel insurance optional, it may be cancelled any time; however, it is not possible to renew it. Moreover, you may ask to be returned the insurance fee if you cancel within 30 days from the insurance policy’s activation.

Ask for Travel Insurance now at CitiPhone at  233 062 222.