Family Protection Plan
		Express your love... Protect your family's future

Express love for your family by ensuring their lifetime happiness & security. Get a continued insurance cover for them with the Family Protection Plan by AIG.
The Family Protection Plan is a personal accident insurance policy that provides coverage on a 24-hour worldwide basis against the following:

• Accidental Death
• Permanent Total Disability
• Accidental Medical Expenses

Premium will be charged on your credit card or debited from your bank account on easy monthly instalments. The sums insured and monthly premium amount payable on account of sums insured are stated below:

Description of the Coverages

1. Accidental Death
If an accident covered in the policy results in death of the policy holder, then the insurance sum shall be paid to the beneficiary(ies).

2. Permanent Total Disability
If an accident covered in the policy disables the policy holder, the insurance sum for permanent total disability shall be paid to the policy holder.

3. Accidental Medical Expenses
The underwriters shall pay doctor's fees and expenses for medicine, radiograph, hospital and other treatment.

Eligibility and Enrollment

Customers who are below 66 years of age (65 included, 66 not included) are eligible for enrolment under Family Protection Plan.

Free Look Period

Citibank customer may cancel family Protection Plan during the free look period of 30 days from the date of issuance of insurance coverage under family protection Plan and get the full premium refunded.

Cancellation

The policy may be cancelled at customer's request at any time by calling CitiPhone at 111 222 222 OR by writing to us at the following address

Citibank's Customer Services Department
3rd Floor, State Life Building No. 1,
I.I. Chundrigar Road, Karachi.

If cancellation is done within 30 days of enrolment, the premium charged on the credit card or debited from the bank account will be refunded.

Key Exclusions

This policy does not cover loss caused by or resulting from intentionally self-inflicted injury, suicide, war, service in armed forces, flying other than as a passenger, pre-existing
conditions, AIDS, HIV, professional or hazardous sports, etc.

A grace period of thirty (30) days following each Premium Due Date shall be allowed for the payment of outstanding Monthly Premium in respect of each Insured Borrower after the first Policy Month. If any outstanding Monthly Premium in respect of an Insured Borrower is not received before the expiration of the grace period, the insurance coverage extended to such Insured Borrower in terms of this Policy shall automatically terminate at the expiration of such grace period and the Policyholder shall not be liable to the Insurance Company in such regard.

Claims Handling

You should contact New Hampshire Insurance Co., AIG Pakistan at the following address:

Manager Claims
New Hampshire Insurance Co., AIG Pakistan
7th Floor, Dawood House,
M T Khan Road, Karachi.
Telephone: 111-111-244

For Further Inquiries/Complaints

For any inquiries/complaints, please call CitiPhone on 111 222 222.

Disclosures

• Purchase of insurance does not represent an investment and does not accumulate a cash value.
• This Family Protection Plan is underwritten and issued by New Hampshire Insurance Co., AIG Pakistan.
• Family Protection Plan is subject to New Hampshire Insurance Co., AIG Pakistan Terms & Conditions.
• Citibank N.A. will not be responsible in any manner if your application or claim is rejected.
• Citibank N.A. does not offer insurance advice or underwrite or issue insurance policies.
• Premiums paid by the policy holder will be paid to the underwriter. Premium amounts for this insurance plan are not a bank deposit, or other obligation of, or guarantee by Citibank N.A., Citigroup or any of their affiliates.
• Purchase of insurance is optional and not required to obtain/maintain credit.