Insurance

CreditShield Insurance

In a case of any discrepancy between Czech and English version of the web pages, the Czech version shall prevail, unless specified otherwise.

• CreditShield insurance will protect you as well as your family from sudden, adverse life situations.

Overview of insurance coverage

Notice to clients: Changes to the pension scheme from 1.1.2010 and related amendments to the disposal of the insurance claim – more HERE

• Death

  In the event of death due to injury, the insurance company will pay the remaining part of your credit card debt (up to CZK 2 000 000).

• Temporary disability

  If you are temporarily disabled for more than 30 calendar days, the insurance company will provide a monthly benefit of 5% of the current balance* (of your total credit card debt) as of the day on which your first credit card statement after occurrence of the insurance claim is due.

  The insurance benefits are paid out throughout the temporary disability by the insurance company but for no longer than 12 consecutive months.

  The amount of the monthly insurance benefits is unchangeable.

  * The current balance is defined in General Business Terms and Conditions for Citi Credit Card Holders

• Permanent disability

  If you are granted the status of a permanently disabled person, the insurance company will pay the remaining part of your credit card debt (up to CZK 2 000 000).

• Credit card fraudulent misuse (in the event of card loss or theft)

  The insurance covers unauthorized transactions up to CZK 4,000 per 1 fraudulently misused credit card as long as the fraud happened no more than 72 hours before card blocking was requested. The loss or the theft of the credit card must be reported by telephone.

  The insurance benefits can be paid out at most three times in a calendar year for each fraudulently misused credit card.

• Fraudulent misuse of credit card due to loss or theft using the PIN code authorization

  The insurance covers authorized transactions up to CZK 10,000 per 1 fraudulently misused credit card as long as the fraud happened no more than 72 hours before credit card blocking was requested. You must call us to report credit card theft or loss.

  The insurance benefits can be paid out at most three times within the calendar year for one fraudulently misused credit card.

• Insurance against forced cash withdrawal from ATM or a theft of cash withdrawn from ATM

  Insurance benefit in case of theft of cash collected during an assault, or due to a forced withdrawal from ATM made under threat of physical violence, which occurred in direct connection with the collection of cash from ATMs using credit cards insured or made under threat of physical violence, or in case of theft of cash from ATMs in selected assault or the threat of physical violence within 2 hours after withdrawing cash from an ATM. Insurance benefits will be paid the maximum amount of CZK 1 000 per claim for a maximum of three times within the calendar year.

Who is insured?

• CreditShield insurance can be contracted out by an individual older than 18 and younger than 60 years of age who does not receive a pension or a partial or full disability pension.
• If the holder of the main Citi credit card is insured, the holder of the supplementary credit card is only insured against credit card fraudulent misuse as a consequence of its loss or theft.
• The insurance expires at the latest on the day on which the insured person reaches 65 years of age.

When does the insurance become valid?

• The insurance is effective at 0.00 hours the following day after a credit card is approved so long as the insurance was requested along with the credit card, or else from
• at 0.00 hours on the first business day after the day on which the insurance has been additionally arranged over the phone.

Monthly premium

The monthly cost of the insurance is a mere 0.69 % of the total credit card debt as of the date of the monthly credit card statement including the outstanding principal balance of installment plans.
It is paid through your Citi credit card.

Arranging insurance

All you need to do is call the non-stop CitiPhone customer line at Tel.: 233 062 222.

• without medical examination
• without having to meet a representative of the insurance company

Queries, complaints

Should you have any queries or complaints, please contact our non-stop CitiPhone customer line at Tel.: 233 062 222

Insurance termination

• You can terminate the insurance anytime and free of charge. All you need to do is call the non-stop CitiPhone customer line at Tel.: 233 062 222. However, the insurance cannot be reactivated.

Insurance claim

• If an insurance claim occurs, please immediately contact
  POJIŠŤOVNA CARDIF PRO VITA , a.s.
  Phone: +420 234 240 270
  Fax: +420 234 240 112
  e-mail: czinfo(at)cardif.com
that will walk you through the whole insurance claim process.

Detailed information about the Insurance product including exclusions you may find in General Insurance Policy and in General Terms & Conditions concerning CreditShield insurance.

NOTE: From 1 November 2009, the new Act on Payments No. 284/2009 Coll. was implemented. ORIGINAL TEXT of General insurance contract, exclusions and General insurance conditions and detailed information applicable to 1 November 2009, see relevant documents in section "Useful documents".

Bill Protection

In a case of any discrepancy between Czech and English version of the web pages, the Czech version shall prevail, unless specified otherwise.

• Bill Protection is a rapid and simple way of securing your regular payments and expenditures. With this insurance you are ready to face sudden, adverse life situations every day.

Optional Bill Protection is offered by Citibank Europe plc, organizační složka in alliance with POJIŠŤOVNA CARDIF PRO VITA, a. s., the provider of the insurance.

Choose the option that best suits your requirements:

STANDARD insurance
STANDARD insurance offers coverage of the following risks:

• Death
  If the insured person dies for whatever reason during the period of insurance, the insurance company will pay out a one-off sum of CZK 100,000.
• Permanent disability
  If you obtain the status of a permanently disabled person due to injury or illness, the insurance company will pay out a one-off sum of CZK 100,000. This insurance benefit will help you meet your obligations in part or in full.
• Temporary disability
  In the event of temporary disability due to injury or illness, which takes at least 30 calendar days without interruptions, the insurance company will pay CZK 2,500 per calendar month of temporary disability (no more than 12 consecutive months). You can use the insurance benefits for your regular monthly payments.

PLUS insurance
PLUS insurance offers coverage of the following risks:

• Death If the insured person dies for whatever reason during the period of insurance, the insurance company will pay out a one-off sum of CZK 100,000.
• Permanent disability If you obtain the status of a permanently disabled person due to injury or illness, the insurance company will pay out a one-off sum of CZK 100,000. This insurance benefit will help you meet your obligations in part or in full.
• Temporary disability In the event of temporary disability due to injury or illness, which takes at least 30 calendar days without interruptions, the insurance company will pay CZK 5,000 per calendar month of temporary disability (no more than 12 consecutive months). You can use the insurance benefits for your regular monthly payments.
• Loss of employment In the event of unemployment that lasts at least 60 calendar days without interruptions, the insurance company will pay out CZK 5,000 for each calendar month the insured person is unemployed (no more than 6 consecutive months). You can use the insurance benefits for your regular monthly payments.

Who is insured?

• The STANDARD and PLUS Bill Protection products can be arranged by a natural person older than 18 and younger than 60 years of age who holds the main Citi credit card, is not temporarily disabled, does not receive retirement pension, partial or full disability pension and fulfils other conditions that can be found here.
• For PLUS insurance, the natural person must have an employment contract for an indefinite period of time and fulfill other conditions that can be found here.
• The holder of the main Citi credit card who applied for Bill Protection is insured. The holder of a supplementary credit card is not insured.
• The insurance ceases to exist at the latest on the day on which the insured person reaches 65 years of age.

When does the insurance become valid?

• On the first business day after the day on which the insurance has been additionally arranged upon issuing and activating the Citi credit card.

Monthly premium

The monthly premium is paid through your Citi credit card.

Arranging insurance

All you need to do is call the non-stop CitiPhone customer line at Tel.: 233 062 222.

• without medical examination
• without having to meet a representative of the insurance company

Queries, complaints

Should you have any queries or complaints, please contact our non-stop CitiPhone customer line at Tel.: 233 062 222.

Insurance termination

• You can terminate the insurance anytime and for free. All you need to do is call the non-stop CitiPhone customer line at Tel.: 233 062 222. However, the insurance cannot be reactivated.

Insurance claim

• If an insurance claim occurs, please immediately contact
  POJIŠŤOVNA CARDIF PRO VITA , a.s.
   Phone: +420 234 240 270,
   Fax: +420 234 240 112,
   e-mail: czinfo(at)cardif.com
that will walk you through the whole insurance claim process.

Detailed insurance conditions including exclusions can be found in General insurance contract and in General insurance conditions.

Secured Insurance with Your Card

In a case of any discrepancy between Czech and English version of the web pages, the Czech version shall prevail, unless specified otherwise.

• Secured Insurance with Your Card will protect you against 9 risks that can arise as a consequence of the theft of your Citi credit card.
  • insurance against the misuse of credit cards as a result of theft or loss
  • insurance against the misuse of credit cards as a result of theft or loss, including misuse of credit cards using PIN authorization code
  • insurance against the misuse of credit cards in internet transactions as a result of theft or loss, including misuse of credit cards
  • insurance against loss or theft of keys, papers, purses or bags, if they occur simultaneously with the loss or theft of credit card
  • insurance for compulsory withdrawing cash from an ATM machine made under the threat of physical violence or theft from an ATM cash collected during the assault or threat of physical violence if the theft occurs when withdrawing cash from an ATM or within 2 hours after withdrawing cash from an ATM
  • insurance against theft and misuse of mobile phone SIM card, if the transfer occurs simultaneously with the stolen credit cards.

Optional Secured Insurance with Your Card is offered by Citibank Europe plc, organizační složka, in cooperation with POJIŠŤOVNA CARDIF PRO VITA, a.s., the insurance provider.

Overview of insurance coverage

• Insurance benefit in case of misuse of credit cards as a result of theft or loss or misuse of credit cards for internet transactions, including the abuse of using the PIN code, will be provided, if it has claimed more than 72 hours before calling for reporting the client lost / stolen credit cards and client's request to block the credit card. Insurance premium will be paid a maximum of three times in one calendar year.
• Insurance benefit in case of loss or theft of keys, papers, wallet and bag will be provided, if it has claimed simultaneously with the loss or theft of the credit card. Insurance premium will be paid a maximum of three times in one calendar year.
• Insurance benefit in case of theft of cash withdrawed during an assault or as a result of forced cash withdrawals from ATM made under threat of physical violence, which occurred in direct connection with the withdrawals of cash from ATM using the credit card insured or made under threat of physical violence or in case of the theft of the cash withdrawed from ATM in selected assault or the threat of physical violence within 2 hours after withdrawing the cash from ATM. Insurance premium will be paid a maximum of three times in one calendar year.
• Insurance benefit in case of theft of a mobile phone along with credit card theft of the insured, under the condition that the mobile phone was stolen at the claimed time older than three years and the insured shall block the mobile phone. Insurance premium will be paid as follows:
  1. If the same type of mobile phone is sold by a mobile vendor, the insured will be given a new mobile phone identical to the stolen mobile phone, and under the condition that            the current selling price of a new mobile device does not exceed the limit of indemnity, that is max. CZK 10,000. If the sales price of new mobile devices exceeds the maximum limit of indemnity, the insured person will be given a voucher worth CZK 10 000 for the purchase of a new mobile phone at a designated vendor of mobile phones.
  2. If the same type of mobile phone is no longer sold by a mobile vendor, the insured is offered a choice of three similar types of mobile phones (in scope of functionality and quality, appearance of the phone is irrelevant) at the selling price of similar mobile device to a specified limit of insurance indemnity, ie maximum CZK 10,000, of which the insured person shall choose one of your choice. If the sales price of new mobile devices exceeds the maximum limit of indemnity, the insured person will be given a voucher worth CZK 10 000 for the purchase of a new mobile phone at a designated vendor of mobile phones.

  Insurance does not cover cell phone accessories.
  
  In case of misuse of the SIM card in a stolen mobile phone, the insured person is entitled to insurance benefit in case the stolen mobile phone was stolen along with the credit card and SIM card was placed in a stolen device. In this case, the insurance premium is equal to the price of calls made within a maximum of 24 hours before reporting the theft of a mobile phone and asking to block the SIM card and mobile phone or blocked. Insurance payments, including fees associated with blocking the mobile phone and SIM card can be granted for a maximum of once per insured per calendar year.

Who is insured?

• The insurance can be contracted by any credit card holder younger than 75 years of age.
• The insurance extends to supplementary Citi credit cards as long as the main Citi credit card is insured.
• The insurance ceases to exist at the latest on the day on which the insured person reaches 80 years of age.

When does the insurance become valid?

• At 0.00 hours from the first business day after the day on which Secured Insurance with Your Card has been additionally arranged over the phone.

Monthly premium

• Optional Secured Insurance with Your Card costs CZK 89 per month.
• The monthly premium is paid through your Citi credit card.

Arranging insurance

All you need to do is to call our non-stop CitiPhone customer line at Tel.: 233 062 222.

Queries, complaints

Should you have any queries or complaints, please contact our non-stop CitiPhone customer line at Tel.: 233 062 222.

Insurance termination

• You can terminate the insurance anytime and out of charge. All you need to do is call the non-stop CitiPhone customer line at Tel.: 233 062 222. However, the insurance cannot be reactivated.
  

Insurance claim

• If an insurance claim occurs, please immediately contact
  POJIŠŤOVNA CARDIF PRO VITA, a.s.
  Phone: +420 234 240 270
  Fax: +420 234 240 112
  e-mail: czinfo(at)cardif.com
that will walk you through the whole insurance claim process

Detailed information about the Insurance product including exclusions you may find in General Insurance Policy, including its amendments, and in General Terms & Conditions concerning Secured insurance with your card.

From 1 November 2009, the new Act No. 284/2009 Coll. on Payments has been implemented. ORIGINAL TEXT of the General insurance contracts, exclusions and General insurance conditions and detailed information applicable to 1 November 2009, see relevant documents in the section "Usefull documents".

Mobileo Insurance

In a case of any discrepancy between Czech and English version of the web pages, the Czech version shall prevail, unless specified otherwise.

Insurance Mobileo will protect you against the theft of mobile phone and its fraudulent misuse, if you are a holder of the O2 Citi Credit Card Gold. Insurance Mobileo is included by default in the O2 Citi Credit Card Gold.

Mobileo Insurance is included by default in the O2 Citi credit card Gold and is offered by Citibank Europe plc, organizační složka in alliance with POJIŠŤOVNA CARDIF PRO VITA, a. s., the provider of the insurance.

Overview of insurance coverage

Scope of insurance coverage	O2 Citi Credit Card Gold
theft of a mobile phone and fraudulent misuse of a mobile phone including the SIM card
theft of a mobile phone	maximum CZK 3,000
fraudulent misuse of a mobile phone including the SIM card	maximum CZK 1,000

• Mobileo insurance applies to a mobile phone (not its accessories) that is the exclusive property of the insured person (not a business phone) and to the SIM card inserted in the mobile phone at the moment of the theft.
• If the mobile phone of the insured person is stolen, the insurance benefit will be paid out as long as the stolen mobile phone was not older than 3 years at the moment of the insurance claim and as long as the insured person has blocked the mobile phone. The insurance benefit will be paid out as follows.
1. If the same type of mobile phone is sold by a selected vendor, the insured person will be given a new mobile phone identical to the stolen one as long as the current sale price of the new mobile phone does not exceed the limit of the insurance benefit, i.e. a maximum of CZK 3,000. If the sale price of the new mobile phone exceeds the limit of the insurance benefit, the insured person will be given a voucher to the value of CZK 3,000 redeemable for the purchase of a new mobile phone from a selected vendor.
2. If the type of mobile phone that was stolen is no longer available from the selected vendor, the insured person will be offered 3 types of comparable mobile phones (in terms of functionality and quality; the appearance of the phone is irrelevant). The insured person will choose one of these mobile phones at their own discretion. If the sale price of the new mobile phone exceeds the limit of the insurance benefit, the insured person will be given a voucher to the value of CZK 3,000 redeemable for the purchase of a new mobile phone from a selected vendor.
• If the mobile phone is fraudulently misused by the unauthorized handling of the mobile phone and the SIM card inserted in it, the insured person is entitled to the insurance benefit as long as the SIM card was inside the stolen phone. In such a case, the insurance benefit is equal to the sum of the costs of the calls that took place during a period extending no longer than 24 hours before the theft of the mobile phone was reported and before the request to block the SIM card and the mobile phone. The limit of the insurance benefit is the maximum possible amount, regardless of how many SIM cards were inserted in the mobile phone.

The insurance benefits can be paid out at most three times in a calendar year for one insured person.

Who is insured?

• The insurance is included by default in the O2 Citi credit card Gold for holder younger than 75 years of age.
• The insurance extends to the main O2 Citi credit card Gold holders, not to the  to supplementary O2 Citi credit cards Gold holders
• The insurance ceases to exist at the latest on the day on which the insured person reaches 80 years of age.

When does the insurance become valid?

• The insurance becomes effective as of the day after the day on which the O2 Citi credit card Gold is approved

Monthly premium

• Mobileo Insurance is included by default in the O2 Citi credit card Gold

Queries, complaints

Should you have any queries or complaints, please contact our non-stop CitiPhone customer line at Tel.: 233 062 222.

Insurance claim

• If an insurance claim occurs, please immediately contact
  POJIŠŤOVNA CARDIF PRO VITA, a.s.
  Phone: +420 234 240 270
  Fax: +420 234 240 112
  e-mail: czinfo(at)cardif.com
that will walk you through the whole insurance claim process.

Detailed insurance conditions including exclusions can be found in General insurance contract nr. CIMCGO2 1/2009.

Fraudulent Usage Insurance 100

In a case of any discrepancy between Czech and English version of the web pages, the Czech version shall prevail, unless specified otherwise.

• The insurance will protect you against 8 risks that can arise as a consequence of the loss or theft of your Citi credit card.
• It covers:
  • misuse of the lost or stolen credit card
  • misuse of the lost or stolen credit card using PIN authorisation code
  • misuse of the lost or stolen credit card for internet transactions
  • compensation for the lost or stolen identity documents and keys along with credit card
  • compensation for the loss or theft of the wallet along with credit card
  • compensation for the loss or theft of the bag along with the credit card
  • forced to pay for withdrawing cash from an ATM machine made under the threat of physical violence or theft from an ATM cash at selected assault or the threat of physical violence if the theft occurs when withdrawing cash from an ATM or within 2 hours after withdrawing cash from an ATM

Optional Fraudulent Usage Insurance 100 is offered by Citibank Europe plc, organizační složka in cooperation with POJIŠŤOVNA CARDIF PRO VITA, a. s., the insurance provider.

Overview of insurance coverage

The insurance applies to fraudulent misuse of a Citi credit card as a consequence of its loss or theft.

Unauthorized transactions	maximum CZK 4,000
Unauthorized transactions using PIN code	maximum CZK 50,000
Unauthorized Internet transactions	maximum CZK 4,000
Keys	maximum CZK 3,000
Identity documents	maximum CZK 5,000
Wallet	maximum CZK 3,000
Bag	maximum CZK 3,000
Cash	maximum CZK 10,000

• The insurance benefits can be paid out by the insurance company at most three times in a calendar year for each credit card which has been fraudulently misused.
• The insurance coverage applies to events that occurred no more than 72 hours before the request to block the credit card

Who is insured?

• Fraudulent Usage Insurance 100 is optional and can be contracted by Citi credit card holders younger than 75 years of age.
• The insurance extends to supplementary Citi credit cards as long as the main Citi credit card is insured.
• The insurance ceases to exist at the latest on the day on which the insured person reaches 80 years of age.

When does the insurance become valid?

• The insurance is effective at 0.00 hours the following day after the day on which the Citi credit card was approved as long as the insurance was requested along with the credit card, or
• At 0.00 hours the business day after the day on which the insurance was additionally arranged over the phone.

Monthly premium

• Optional fraudulent usage insurance costs CZK 79 per month.
• It is paid through your Citi credit card.

Arranging insurance

All you need to do is to call the non-stop CitiPhone customer line at Tel.: 233 062 222.

• without having to meet a representative of the insurance company

Queries, complaints

Should you have any queries or complaints, please contact our non-stop CitiPhone customer line at Tel.: 233 062 222.

Insurance termination

• You can terminate the insurance anytime and out of charge. All you need to do is to call the non-stop CitiPhone customer line at Tel.: 233 062 222. However, the insurance cannot be reactivated.
  

Insurance claim

• If an insurance claim occurs, please immediately contact
  POJIŠŤOVNA CARDIF PRO VITA, a.s.
  Phone: +420 234 240 270
  Fax: +420 234 240 112
  e-mail: czinfo(at)cardif.com
that will walk you through the whole insurance claim process.

Detailed information about the Insurance product including exclusions you may find in General Insurance Policy, including its amendments, and in General Terms & Conditions concerning Fraudulent usage insurance.

From 1 November 2009, the new Act No. 284/2009 Coll. on Payments has been implemented. ORIGINAL TEXT of the General insurance contracts, exclusions and General insurance conditions and detailed information applicable to 1 November 2009, see relevant documents in the section "Usefull documents".

Fraudulent Usage Insurance 50

In a case of any discrepancy between Czech and English version of the web pages, the Czech version shall prevail, unless specified otherwise.

• Fraudulent Usage Insurance 50 will protect you against the consequences of the loss or theft of your Citi credit card.
• It covers:
  • fraudulent misuse of the lost or stolen credit card
  • fraudulent misuse of the lost or stolen credit card using PIN authorisation code
  • compensation for the lost or stolen keys along with credit card
  • compensation for the lost or stolen identity documents along with credit card

Fraudulent Usage Insurance 50 is included by default in the Citi Gold credit card and is offered by Citibank Europe plc, organizační složka in cooperation with POJIŠŤOVNA CARDIF PRO VITA, a. s., the insurance provider.

Overview of insurance coverage

The insurance applies to fraudulent misuse of Citi credit card as a consequence of its loss or theft.

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

• Entitled to insurance benefit, in case the fraudulent misuse of the lost or stolen credit card, gets where there has been misused of the credit card in more than 72 hours before calling for reporting the loss / theft of credit card and request to block credit card. Insurance premium will be paid the maximum amount of CZK 4 000 including fees for a single blocking of the credit card had been misused for a maximum of three times in one calendar year.
• Entitled to insurance benefit, in case of fraudulent misuse of the lost or stolen credit card using the PIN code entering, where there has been misuse of the credit card in more than 72 hours before calling for reporting a lost / stolen credit card and request to block credit card. Insurance premium will be paid the maximum amount of CZK 50 000, including fees for blocking credit card had been misused as a credit card, and a maximum of three times in one calendar year.
• Insurance benefit against loss or theft of keys, in case there is a loss or theft of keys along with the lost or stolen insured credit card. Insurance payments will be due to loss or theft of keys provided to a maximum of CZK 3 000 per claim for a maximum of three times in one calendar year.
• Insurance benefit against loss or theft of identity documents, in case there is a loss or theft of identity documents along with the lost or stolen insured credit card. Insurance payments will be due to loss or theft of documents provided to a maximum of CZK 3 000 per claim for a maximum of three times in one calendar year

Who is insured?

• All holders of Citi credit cards Gold under 75 years of age are automatically insured.

When does the insurance become valid?

• The insurance becomes effective as at 0.00 hours of the following day after the day on which the credit card is approved

Monthly premium

• You do not pay any fees for this insurance.

Queries, complaints

Should you have any queries or complaints, please contact our non-stop CitiPhone customer line at Tel.: 233 062 222.

Insurance termination

• The insurance terminates at midnight of the last day on which the credit card is valid
• The insurance terminates at midnight of the day on which you report credit card loss or theft to the bank unless a new card has been issued
• The insurance ceases to exist at the latest on the day on which the insured person reaches 80 years of age.

Insurance claim

• If an insurance claim occurs, please immediately contact
  POJIŠŤOVNA CARDIF PRO VITA, a.s.
  Phone: +420 234 240 270
  Fax: +420 234 240 112
  e-mail: czinfo(at)cardif.com
that will walk you through the whole insurance claim process.

Detailed information about the Insurance product including exclusions you may find in General Insurance Policy and in General Terms & Conditions concerning Fraudulent usage insurance.

NOTE: From 1 November 2009, the new Act on Payments No. 284/2009 Coll. was implemented. ORIGINAL TEXT of General insurance contract, exclusions and General insurance conditions and detailed information applicable to 1 November 2009, see relevant documents in section "Useful documents".

Family Insurance for Your Travel

In a case of any discrepancy between Czech and English version of the web pages, the Czech version shall prevail, unless specified otherwise.

• With Family Insurance for Your Travel, you will be ready for unexpected situations all over the world.
• You do not have to waste your time arranging insurance before your trip. Instead, you can fully concentrate on your travel plans.

Optional Family Insurance for Your Travel is offered by Citibank Europe plc, organizační složka in alliance with POJIŠŤOVNA CARDIF PRO VITA, a. s., the provider of the insurance.

Overview of insurance coverage

• The insurance covers the usual recreational sports (including winter sports) not involving major risks, insurance of medical expenses, accident insurance, liability insurance and other insurance risks.
• The limit of insurance coverage is CZK 1,000,000.

Přehled pojistného krytí

Scope of insurance coverage	Citi Credit Card
Insurance of medical expenses abroad and of assistance services	CZK 1,000,000
Acute dental treatment	CZK 10,000
Lost, theft or damage to luggage	CZK 20,000
Limit per 1 piece of luggage	CZK 10,000
Limit per 1 item	CZK 5,000
Legal assistance (road accident)	CZK 100,000
Liability insurance	CZK 1,000,000
Emergency reunion coverage	CZK 75,000
Daily limit	CZK 2,000
Death from injury	CZK 500,000
Permanent disability from injury	CZK 1,000,000
Cumulative limit per family in the event of death and permanent disability from injury	CZK 2,000,000
Delay of luggage in air transport	CZK 10,000
Limit per hour of delay	CZK 2,000
Deductible	6 hours
Flight delay	CZK 10,000
Limit per hour of delay	CZK 2,000
Deductible	6 hours
Trip cancellation	CZK 20,000
Deductible	20%
Loss or theft of travel documents	CZK 10,000

Who is insured?

• Family Insurance for Your Travel covers any holder of a Citi credit card who is not older than 70 years of age when they apply for it, and their family members on the same trip. Family members on the same trip are the spouse, registered partner or companion sharing the same household and any number of children under 18 who are all permanent residents of the same country as the holder of the Citi credit card and take part in the same trip abroad. The insurance only covers persons younger than 75 years of age. The insurance only applies to the main Citi credit card, not supplementary ones.
• If you are a holder of more than one Citi credit card and if you took out the insurance more than once, you are entitled to receive insurance benefits for just one of the cards if the insurance claim occurs, namely that with the highest limit of insurance benefits. The limit of insurance benefits is constant regardless of the actual number of fellow-travelers, i.e. the limit does not increase with the number of fellow-travelers.
• The insurance ceases to exist at the latest on the day on which the insured person reaches 75 years of age.

When does the insurance become valid?

• The insurance starts on the day after the day on which the insurance has been additionally arranged over the phone after credit card approval.
• The insurance coverage is effective from the moment of crossing the frontier of the Czech Republic. It need not be activated before the trip.
• The insurance coverage ends when the insured person enters the Czech Republic on their return but no later than 45 days after the start of the trip.

Insurance termination

• You can terminate the insurance anytime and for free. All you need to do is call the non-stop CitiPhone customer line at Tel.: 233 062 222. However, the insurance cannot be reactivated.

Monthly premium

• The optional Family Travel Insurance for Citi Credit Cards costs CZK 79 per month.
• The monthly premium is paid through your Citi credit card.

Arranging insurance

All you need to do is call our non-stop CitiPhone customer line at Tel.: 233 062 222

• without having to meet a representative of the insurance company

Queries, complaints

Should you have any queries or complaints, please contact our non-stop CitiPhone customer line at Tel.: 233 062 222.

Insurance claim

• If an insurance claim occurs, please contact assistance service immediately
  Cardif Assistance Phone: +420 234 240 244,
that will walk you through the whole insurance claim process.

The insurance claim must be submitted using the Insurance Claim Report form. Please send the form along with the requested documents to the assistance company:

Europ Assistance s. r. o.
Na Pankráci 127
140 00 Praha 4

If you have not yet received the card with contact details of the assistance service or if you have lost it, you can print it out.

Read here what to do if an insurance claim occurs and how to contact the assistance service.

Detailed information about the Insurance product including exclusions you may find in General Insurance Policy and in General Terms & Conditions concerning travel insurance.

Family Travel Insurance (till 30 April 2009)

In a case of any discrepancy between Czech and English version of the web pages, the Czech version shall prevail, unless specified otherwise.

• An insurance product for Citi credit cards taken out no later than 30 April 2009.
• Please note: Since 1st October 2009 AIG EUROPE, S.A., Czech Republic branch, the provider of the insurance, changed its name to CHARTIS EUROPE S.A., Czech Republic branch

Optional Family Travel Insurance offered in alliance with CHARTIS EUROPE S.A., Czech Republic branch, the provider of the insurance.

Details about the product can be found here.

Insurance claim

• If an insurance claim occurs when you are abroad, please immediately contact the assistance service that will walk you through the insurance claim process.
  Assistance service Tel.: +420 222 111 159

The insurance claim must be submitted using the Insurance Claim Report form. Please send the form along with the requested documents to the assistance company:

CHARTIS EUROPE S.A., Czech Republic branch
Oddělení likvidace škod
V Celnici 1031/4
110 00 Praha 1
Email: skody(at)chartisinsurance.com
Phone: +420 234 108 311
Fax: +420 234 108 387
www.chartispojisteni.com

Infoline Phone: +420 800 172 172

Family Travel Insurance for Citi ČSA Credit Cards

In a case of any discrepancy between Czech and English version of the web pages, the Czech version shall prevail, unless specified otherwise.

• With your Family Travel Insurance, you are ready for unexpected situations all over the world. The insurance covers the usual recreational sports (including winter sports) not involving major risks, insurance of medical expenses, accident insurance, liability insurance and other insurance risks.
• You do not have to waste your time arranging insurance before your trip. Instead, you can fully concentrate on your travel plans.

Family Travel Insurance is offered by Citibank Europe plc, organizační složka in alliance with POJIŠŤOVNA CARDIF PRO VITA, a. s., the provider of the insurance.

Overview of insurance coverage

• The insurance covers the usual recreational sports (including winter sports) not involving major risks, insurance of medical expenses, accident insurance, liability insurance and other insurance risks.
• The limit of insurance coverage is CZK 3,000,000.

Overview of insurance coverage

Scope of insurance coverage	Citi ČSA Credit Card
Insurance of medical expenses abroad and of assistance services	CZK 3,000,000
Acute dental treatment	CZK 10,000
Lost, theft or damage to luggage	CZK 50,000
Limit per 1 piece of luggage	CZK 25,000
Limit per 1 item	CZK 12,500
Legal assistance (road accident)	CZK 150,000
Emergency reunion coverage	CZK 75,000
Daily limit	CZK 2,000
Staff replacement coverage	CZK 250,000
Death from injury	CZK 1,000,000
Permanent disability from injury	CZK 2,000,000
Cumulative limit per family in the event of death and permanent disability from injury	CZK 4,000,000
Delay of luggage in air transport	CZK 10,000
Limit per hour of delay	CZK 2,500
Deductible	6 hours
Flight delay	CZK 10,000
Limit per hour of delay	CZK 2,500
Deductible	6 hours
Liability insurance	CZK 2,000,000
Insurance of provision for daily needs in the event of hospitalization abroad	CZK 1,000

Who is insured?

• Family Travel Insurance covers any holder of a Citi credit card who is not older than 70 years of age when the credit card application is approved, and their family members on the same trip. Family members on the same trip are the spouse or partner in a civil union or shared household and any number of children under 18 who are all permanent residents of the same country as the holder of the Citi ČSA credit card and take part in the same trip abroad. The insurance only covers persons younger than 75 years of age.

When does the insurance become valid?

• The insurance starts on the day after the day on which the credit card has been approved.
• The insurance coverage is effective from the moment of crossing the frontier of the Czech Republic.
• The insurance coverage ends when the insured person enters the Czech Republic on their return but no later than 45 days after the start of the trip.

Insurance termination and expiry

The insurance expires:

• on the day on which the credit card holder reaches 75 years of age
• on the day on which the credit card holder passes away
• the insurance against permanent disability from injury expires on the day on which the insured person obtains the status of a permanently disabled person
• at the moment when fraudulent behavior on the part of the insured person has been detected in relation to credit card use
• at midnight of the day on which the credit card holder reported to the policy holder the credit card loss or theft, within the meaning of policy holder’s commercial terms and conditions, unless a new card was issued
• on the last day of validity of the credit card for which the insurance was arranged unless a new credit card was emitted subsequently

Monthly premium

• This insurance is provided automatically for Citi ČSA Credit Card holders and is included in the price of the card.

Queries, complaints

Should you have any queries or complaints, please contact our non-stop CitiPhone customer line at Tel.: 233 062 222.

Insurance claim

• If an insurance claim occurs, please contact assistance service immediately
  Cardif Assistance Tel.: +420 234 240 244
that will walk you through the whole insurance claim process.

The insurance claim must be submitted using the Insurance Claim Report form.Please send the form along with the requested documents to the assistance company:

Europ Assistance s. r. o.
Na Pankráci 127
140 00 Praha 4

If you have not yet received the card with contact details of the assistance service or if you have lost it, you can print it out.

Read here what to do if an insurance claim occurs and how to contact the assistance service.

Detailed information about the Insurance product including exclusions you may find in General Insurance Policy and in General Terms & Conditions concerning travel insurance.

Family Travel Insurance for Citi ČSA Credit Cards (till 30 April 2009)

In a case of any discrepancy between Czech and English version of the web pages, the Czech version shall prevail, unless specified otherwise.

• An insurance product for Citi ČSA Credit Cards - till 30 April 2009.
• Please note: Since 1st October 2009 AIG EUROPE, S.A., Czech Republic branch, the provider of the insurance, changed its name to CHARTIS EUROPE S.A., Czech Republic branch

Family Travel Insurance offered in alliance with CHARTIS EUROPE S.A., Czech Republic branch, the provider of the insurance.

Details about the product can be found here.

Insurance claim

• If an insurance claim occurs when you are abroad, please immediately contact the assistance service that will walk you through the insurance claim process.
  Assistance service Phone: +420 222 111 159

The insurance claim must be submitted using the Insurance Claim Report form. Please send the form along with the requested documents to the assistance company:

CHARTIS EUROPE S.A., Czech Republic branch Oddělení likvidace škod
Oddělení likvidace škod
V Celnici 1031/4
110 00 Praha 1
Email: skody(at)chartisinsurance.com
Tel.: +420 234 108 311
Fax: +420 234 108 387
www.chartisinsurance.com

Infoline Phone: +420 800 172 172