Citibank - 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.

Bill Protection is optional and can be afrranged 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 two insurance options - STANDARD and PLUS. 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) 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).

Who is insured?

Bill Protection STANDARD and PLUS can be arranged by a natural person above the age of 18 and below the age of 60 who holds a Citi credit card, is not temporarily disabled, does not receive a retirement pension, or partial or total disability pension, and fulfils other conditions that can be found in the General Insurance Contract and in the General Insurance Terms and Conditions for Bill Protection.

For PLUS insurance, the natural person must have an employment contract for an indefinite period of time and fulfil other conditions that can be found in the General Insurance Contract and in the General Insurance Terms and Conditions for Bill Protection.

When does the insurance become valid?

From the first business day after the day on which the insurance was additionally arranged over the phone.

Monthly premium

The premium is deducted from the Card account related to the Citi credit card.

STANDARD option: CZK 199 per month
PLUS option: CZK 299 per month

Examples of exclusions

all sports that are practiced professionally
temporary disability resulting from maternity, which happens during the period when the insured is receiving maternity benefits

In the event of loss of employment:

loss of employment by the free will of the insured
loss of employment that occurs during or towards the end of the probation period after recruitment

Insurance termination

You may terminate the insurance at any time, free of charge. Simply call the 24/7 CitiPhone customer line at 233 062 222. Once terminated, however, the insurance cannot be reactivated.

Insurance Termination and Expiry

on the day on which the Card holder reaches the age of 65
on the day on which the Card holder passes away
insurance against permanent disability resulting from injury expires on the day the insured obtains the status of a third degree disabled person
from the day following the date on which the insured called the CitiPhone customer line to request termination of the insurance
on the last date of the validity of the Card for which the insurance has been taken out, unless a new Card has been issued

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 Bill Protection.

How to obtain the Insurance

If you fulfil the following conditions, you may apply for Bill Protection Insurance.

Are you a natural person?
Are you a Citi credit card holder?
Aren't you retired or disabled?
Aren't you temporarily disabled?
Are you above the age of 18 and under the age of 60?

Simply call the 24/7 CitiPhone customer line at 233 062 222.

One of the advantages of Bill Protection is that you may arrange it without having to meet an insurance company representative.

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Do I have to send monthly premiums?

What should I do when an insured event occurs?

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.

CitiCard debit card