Citibank Credit Shield Plus
		If the unexpected happens, you are covered.

What is Double Indemnity?
Double Indemnity provides for payment of double the face value of insurance cover, i.e. an additional amount equal to the outstanding on your credit card will also be paid to the beneficiary nominated in case of accidental death.

Why do I need this protection?
Some times things go wrong. You may be faced with some unforeseen incident concerning your health or life.

Severe illness or injury may affect your ability to pay the minimum monthly dues on your card. During this period, if you are covered under Credit Shield Plus, subject to certain conditions, the underwriter will pay on your behalf and help keep your card account active when you need it most.

In the unfortunate event of permanent disability, critical illness, or even death, subject to certain conditions, the entire outstanding balance on your Citibank Credit Card is paid by the underwriter.

How about the expenses incurred on my supplementary card?
Credit Shield Plus covers the Basic Card member only. As all transactions on supplementary card are charged to the Basic Card, outstanding balance on both cards is covered.

What is the difference between temporary and permanent disability?
Temporary Total Disability means disability caused by accident or sickness and as a result of which the card member is unable to engage in his own usual occupation for a period exceeding 30 days.

Permanent Total Disability means inability of the card member to engage in any usual occupation for which he is reasonably qualified by education, training, and experience for period exceeding 30 days.

Temporary Disability for 6 consecutive months will be considered as Permanent Disability.

Can you tell me something about the insurance company?
Citibank Credit Shield Plus insurance is underwritten by EFU Life Assurance Limited, the first insurance company in Pakistan to be awarded the ISO 9001 Certification.

What is the insurance premium I have to pay and how do I pay it?
For as little as Paisa 79 for every Rs. 100 of the total outstanding amount against your Credit Card Account, Citibank Credit Shield Plus insures you against unforeseen emergencies. Monthly premiums are charged to your Citibank Credit Card. The premium is calculated automatically for you at the rate of 0.79% of your current outstanding balance and will appear on your monthly statement

Where can I get further information?
You can call our 24-hour CitiPhone on 111 222 222 and talk to a CitiPhone Officer. Or
Write to us at the following address:

Citibank Customer Services
3rd floor, State Life Building No. 1
I.I. Chundrigar Road, Karachi.

How can I make a claim?
You or your representative will have to submit the claim form and other necessary documents, including a doctor's report to substantiate the claim. A written notice must be provided within 60 days of any event, giving rise to the coverage provided by the Credit Shield Plus. For further details on the claim procedure please read the full Terms & Conditions.

How are claims paid?
Approved benefits are credited monthly to your Citibank Credit Card account in case of a temporary disability and in the event of diagnosis and first occurrence of critical illness and permanent disability or death, a lump sum amount equal to the current balance will be paid by the underwriter on your behalf. For further details on the claim payments please read the full Credit Card & Insurance Terms & Conditions or contact the Claims Manager EFU Life Assurance Limited at 111-388-111 extension (265/268).

Is there a maximum benefit payable?
The maximum cumulative amount of benefits payable under the Credit Shield Plus insurance for any one event is Rs 1,000,000/- . In the event that you enjoy more than one Credit Card Facility in respect of which you have obtained Credit Shield Plus insurance, the maximum cumulative amount of benefits payable for any one event shall not exceed Rs 2,000,000/- .

Key Exclusions
Some of the key exclusions are death by suicide, critical illness occurring within 90 days of the commencement of the policy, any deliberate self-inflicted injury, flying other than as a passenger,War, Riots, AIDS, HIV, any Critical Illness which was diagnosed prior to the Commencement Date of the Coverage etc.

Freelook Period
You will have 30 days from the time of your enrolment to review the coverage and make sure it meets your needs. If you are not satisfied, just call CitiPhone Banking and your coverage will be cancelled immediately. Any premium paid during this time will be refunded.

How do I cancel the insurance?
You can cancel the Credit Shield Plus cover at any time by calling our CitiPhone on 111 222 222. Cancellation will be effective as of the last monthly statement.

Who do I call for inquiries/complaints?
For any inquiries/complaints, please call CitiPhone 111 222 222. Your request will be forwarded to our Inquiry Management and Problem Resolution Department, and will be subsequently escalated to higher levels for early resolution.

I am 59 years old. Does my coverage change or terminate at a certain age?
The eligible age for enrolment under Credit Shield Plus is 21 to 59 years. However, once enrolled on the program the coverage continues till age of 65 subject to premium payments. Coverage automatically terminates after the customer reaches 65 years of age.

For customers not yet enrolled under Credit Shield Plus
How do I enrol in Credit Shield Plus?
By calling 24-hour CitiPhone on 111 222 222 and talking to a CitiPhone officer or by writing to us at the following address:

Citibank Customer Services
3rd floor, State Life Building No. 1
I.I. Chundrigar Road, Karachi.

Please read the Terms & Conditions for details.