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Bill Protection

Protect yourself against unpredictable events
Bill Protection is a rapid and simple way of securing your regular payments and expenditures. The insurance covers unexpected adverse life events such as loss of employment, extended temporary disability, total disability, or death.
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Bill Protection is optional and can be arranged for holders of Citi credit cards
Bill Protection is available to main Citi Credit Cards only (not to supplementary Credit Cards).
Overview of insurance coverage
We offer three insurance options - STANDARD, PLUS and EXCLUSIVE. Choose the option that best suits your needs:
Option 1:
STANDARD insurance covers the risks below:
  • Insurance in case of death
    If the insured dies for whatever reason during the period of insurance, the insurance company will pay out a one-off sum of CZK 100,000.
  • Insurance for total disability (III. level disability)
    If the insured obtains the status of total disability (III. level disability), award of extraordinary 3rd degree benefits due to injury or illness, the insurance company will pay out a one-off sum of CZK 100,000.
  • Temporary disability insurance
    In the event of temporary disability due to injury or illness, which lasts at least 30 calendar days straight, the insurance company will pay an insurance benefit of CZK 2,500 per calendar month of temporary disability (for no more than 12 consecutive months).
Option 2:
PLUS insurance covers the risks listed in the STANDARD insurance as well as:
  • Temporary disability insurance
    In the event of temporary disability due to injury or illness, which lasts at least 30 calendar days straight, the insurance company will pay an insurance benefit of CZK 5,000 per calendar month of temporary disability (for no more than 12 consecutive months) with the Insurance PLUS option.
  • Insurance against loss of employment
    In the event of unemployment that lasts at least 60 calendar days straight, the insurance company will pay out an insurance benefit of CZK 5,000 for each calendar month the insured is unemployed (for no more than 6 consecutive months).
Option 3:
EXCLUSIVE insurance covers the risks below:
  • Insurance for total disability (III. level disability)
    If the insured obtains the status of total disability (III. level disability), award of extraordinary 3rd degree benefits due to injury or illness, the insurance company will pay out a one-off sum of CZK 200,000.
  • Temporary disability insurance
    In the event of temporary disability due to injury or illness, which lasts at least 60 calendar days straight, the insurance company will pay an insurance benefit of CZK 10,000 per calendar month of temporary disability (for no more than 6 consecutive months).
  • Insurance in case of hospitalization
    In the event of hospitalization due to injury or illness which lasts at least 7 calendar days, the insurance company will pay an insurance benefit of CZK 1,000 per calendar day of hospitalization (for no more than 30 consecutive days).
  • In case of concurrence of insured events of hospitalization and temporary disability, the insurance company will pay an insurance benefit only for one insured event. In the event that during temporary disability, hospitalization will occur, the insurance company will pay an insurance benefit only from temporary disability. Except when an insurance claim will arise after end of hospitalization. In this case the insurance company will pay an insurance benefit first from hospitalization and then from temporary disability.
Notice
Optional Bill Protection is offered by Citibank Europe plc, organizační složka in cooperation with BNP Paribas Cardif Pojišťovna, a.s., the provider of the insurance.
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