Citibank – Fradulent Usage Insurance 50

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Protect yourself against the risks of card theft

Fraudulent Usage Insurance 50 protects you from the consequences of theft of your Citi Credit Card Gold or Gold CitiCard Debit Card. The insurance covers not only the card but also your keys and identification documents. The insurance is already included in the price of the card.

Fraudulent Usage Insurance 50 protects you from the consequences of theft of your Citi Credit Card Gold or Gold CitiCard Debit Card (hereinafter "Card").

Fraudulent Usage Insurance 50 is automatically arranged on the main Card, but not for supplementary Cards.

Overview of insurance coverage

Fraudulent Usage Insurance 50 covers:

fraudulent misuse of your Card as a consequence of its theft or loss
fraudulent misuse of the Card using the PIN code as a result of the loss or theft of the Card
compensation in case of the loss or theft of keys if they were lost or stolen together with the Card
compensation in case of the loss or theft of personal documents if they were lost or stolen together with the Card

Fraudulent misuse of the lost or stolen credit card	maximum CZK 4,000
Unauthorized transactions using PIN code	maximum CZK 50,000
Keys	maximum CZK 3,000
Identity documents	maximum CZK 3,000

The insurance covers the following:
The insured are entitled to insurance benefits in the event of Fraudulent Misuse of the Card as a consequence of its loss or theft if the Card was misused no more than 72 hours before the Card holder called the bank to report the loss/theft of the Card and to request that the Card be blocked. Insurance benefits shall be provided up to a maximum amount of CZK 4,000 per misused Card including the fees charged for the blocking of the Card, and a maximum of three times per calendar year.
The insured are entitled to insurance benefits in the event of Fraudulent Misuse of the Card using the PIN code as a consequence of its loss or theft if the Card was misused no more than 72 hours before the Card holder called the bank to report the loss/theft of the Card and to request that the Card be blocked. Insurance benefits shall be provided up to a maximum amount of CZK 50,000 per misused Card including the fees charged for the blocking of the Card, and a maximum of three times per calendar year.
Insurance against the loss or theft of keys if the insured's keys were lost or stolen together with the Card. Insurance benefits as a result of the loss or theft of keys shall be provided up to a maximum amount of CZK 3,000 for each insured event and a maximum of three times per calendar year.
Insurance against the loss or theft of personal identification documents if they were lost or stolen together with the Card. Insurance benefits as a result of the loss or theft of personal documents shall be provided up to a maximum amount of CZK 3,000 for each insured event and a maximum of three times per calendar year.

Who is insured?

All Card holders below the age of 75 are automatically insured.

When does the insurance become valid?

As of the day after the day on which the Card was approved.

Monthly premium

Fraudulent Usage Insurance 50 is automatically included in the Card and its fee.

Examples of exclusions

if the insured event resulted from intentional or fraudulent behaviour on the part of the insured (negligent behaviour – e.g., leaving an item in an unprotected or generally accessible place, such as a shopping basket, on a restaurant table, and so on)
any use of the credit card entailing fraudulent behaviour or related to fraudulent behaviour of the insured or individuals close to him/her (e.g., husband, wife, partner, brothers, or sisters)

Insurance Termination and Expiry

The insurance expires:

on the last date of the validity of the Card unless a new Card has been issued
on the last day of the year in which the insured reaches the age of 80

Insured Event

If an insured event occurs, please immediately contact
POJIŠŤOVNA CARDIF PRO VITA, a.s.
Na Rybníčku 1329/5
120 00 Praha 2
Phone: +420 234 240 270
Fax: +420 234 240 112
e-mail: czinfo(at)cardif.com where the operators will walk you through the entire insurance claim process.

Queries and complaints

Should you have any queries or complaints, please contact our 24/7 CitiPhone customer line at 233 062 222.

Full insurance terms and conditions (including exclusions) can be found in the General Insurance Contract and in the General Insurance Terms and Conditions for Fraudulent Usage Insurance 50

Notice

Fraudulent Usage Insurance 50 included in the Citi Credit Card Gold or the gold debit CitiCard is offered by Citibank Europe plc, organizační složka in alliance with BNP Paribas Cardif Pojišťovna, a.s., a. s., the provider of the insurance.

Gold CitiCard Debit Card