Citibank SmartTraveller Annual Gold

Being a frequent traveller means opening yourself up to more risk. Protect yourself with Citibank's Smart Traveller Gold, with a one time premium and comprehensive coverage for the whole year.

Citibank SmartTraveller Annual GoldUnlimited Trips
Personal Accident
up to RM250k
Medical Expenses
up to RM200k
Trip Cancellation
up to RM500
Travel Delay
up to RM2k
Lost Baggage
up to RM5k
Cashless Medical Care
Not covered
Buy Online
No

Contact Info

Who do I contact for any inquiries?

Travel Assistance Hotline & Services
  • 24-hour AXA Travel Assistance Hotline
Citibank Hotline

Regions Covered

Which regions are covered by this plan?

Asia (Area 1)

Included Countries:

  • Australia
  • Brunei
  • Cambodia
  • China
  • Hong Kong
  • Macau
  • India
  • Indonesia
  • Japan
  • South Korea
  • Laos
  • New Zealand
  • Pakistan
  • Philippines
  • Singapore
  • Sri Lanka
  • Taiwan
  • Thailand
  • Vietnam and within Malaysia

Excluded Countries:

  • Mongolia
  • Nepal
  • Tibet
Worldwide (Area 2)

Excluded Countries:

  • USA
  • Canada
  • Iran
  • Syria
  • Belarus
  • Cuba
  • Democratic Republic of Congo
  • North Korea
  • Somalia
  • Sudan
  • South Sudan
  • Zimbabwe
Worldwide (Area 3)

Excluded Countries:

  • Iran
  • Syria
  • Belarus
  • Burma
  • Myanmar
  • Cuba
  • Democratic Republic of Congo
  • North Korea
  • Somalia
  • Sudan
  • Zimbabwe

Premiums

How much must I pay to be insured during my travels?

Premiums for Asia (Area 1)
PlanIndividual

Coverage

What can I claim from this insurance policy?

Personal AccidentAsia (Area 1)
Accidental Death
The worst thing that could ever happen while you're on holiday
  • RM250k individual
  • RM0 per adult
  • RM0 per child
Permanent Disability
An accident that leaves you unable to work or care for your family
  • RM250k individual
  • RM0 per adult
  • RM0 per child
Loss of Limbs or Sight
Injury that prevents you from ever working again
  • RM125k individual
  • RM0 per adult
  • RM0 per child
Child Education
  • RM10k individual
  • RM0 per adult
  • RM0 per child
Medical RelatedAsia (Area 1)
Medical Expenses
Cover for hospital charges related to accident and injury
  • RM200k individual
  • RM0 per adult
  • RM0 per child
Visiting Allowance
Financial help when you need to visit a family member in hospital
  • RM5k individual
  • RM0 per adult
  • RM0 per child
Traditional or Alternative Medicine
When conventional treatment is just too mainstream
  • RM500 individual
  • RM0 per adult
  • RM0 per child
Child Care
Need a childminder whilst you're in hospital? No problem
  • RM5k individual
  • RM0 per adult
  • RM0 per child
Follow-up Treatment in Malaysia
Your treatment and recovery might take a while
  • RM20k individual
  • RM0 per adult
  • RM0 per child
Hospital Allowance
  • RM10.5k individual
  • RM0 per adult
  • RM0 per child
Quarantine
Catch a contagious disease and you'll be spared the cost of isolation
  • RM2k individual
  • RM0 per adult
  • RM0 per child
Medical Evacuation
Fees can be astronomical - better to be safe at home than broke
  • RM - individual
  • RM0 per adult
  • RM0 per child
Emergency Medical Repatriation
  • RM - individual
  • RM0 per adult
  • RM0 per child
Repatriation of Mortal Remains
  • RM - individual
  • RM0 per adult
  • RM0 per child
Travel InconvenienceAsia (Area 1)
Loss or Damage of Personal Property and Baggage
  • RM5k individual
  • RM0 per adult
  • RM0 per child
Loss of Travel Documents and Money
  • RM5k individual
  • RM0 per adult
  • RM0 per child
Luggage Delay
You might arrive safely at your destination, but will your suitcase?
  • RM800 individual
  • RM0 per adult
  • RM0 per child
Travel Delay
Get compensated for late arrival at your holiday destination
  • RM2k individual
  • RM0 per adult
  • RM0 per child
Travel Cancellation
Cover for an unexpected incident that forces you to cancel your trip
  • RM500 individual
  • RM0 per adult
  • RM0 per child
Loss of Travel Deposit due to Cancellation
Get a refund on your travel deposit if you choose to cancel your trip
  • RM20k individual
  • RM0 per adult
  • RM0 per child
Travel Interruption
Nobody likes a holiday cut short - get paid if it happens to you!
  • RM20k individual
  • RM0 per adult
  • RM0 per child
Denied Boarding
Plane overbooked? Been kicked off the flight? Get compensation!
  • RM200 individual
  • RM0 per adult
  • RM0 per child
Missed Connecting Flight or Transport
Don't worry about the cost of missing the next connection
  • RM300 individual
  • RM0 per adult
  • RM0 per child
Hijacking
Get covered for every travellers worst nightmare
  • RM10k individual
  • RM0 per adult
  • RM0 per child
Missed Departure
Been left behind thanks to public transport being late? Get money back
  • RM1k individual
  • RM0 per adult
  • RM0 per child
Travel Re-route
Flight diversions add unnecessary expense - get yourself covered
  • RM250 individual
  • RM0 per adult
  • RM0 per child
Loss of Travel Deposit due to Airline Bankruptcy
Probably not a wise choice to fly with this airline again
  • RM10k individual
  • RM0 per adult
  • RM0 per child
Loss of Credit Card
Cover for purchases made after your card is stolen
  • RM5k individual
  • RM0 per adult
  • RM0 per child
Personal Liability
  • RM1m individual
  • RM0 per adult
  • RM0 per child
Home Care
Loss or damage to your home and contents when you are away
  • RM5k individual
  • RM0 per adult
  • RM0 per child
Loss or Damage to Rental Car
Don't pay the Rental Excess charge - get covered at a reasonable cost
  • RM1k individual
  • RM0 per adult
  • RM0 per child
Ransom Payment for Hostage and Kidnapping
It's some consolation to know that your captor's demands will be met
  • RM100k individual
  • RM0 per adult
  • RM0 per child
Substitution Cost
Can't go on that business trip after all? Send someone else at no extra cost
  • RM3k individual
  • RM0 per adult
  • RM0 per child
Loss or Damage of Golf Equipment
Your clubs don't come cheap - get them covered!
  • RM2k individual
  • RM0 per adult
  • RM0 per child
Replacement Traveller
  • RM3k individual
  • RM0 per adult
  • RM0 per child

Fees & Charges

Stamp Duty Fee
No Fee

Requirements

Are you eligible to apply for this insurance?

Annual Plan For Individuals
   Between 18 and 69 years of age
Children Travelling With Family Per Child
   At least 30 days of age

More Information

Who is eligible to apply for the Citibank Smart Traveller Annual Gold?

This comprehensive travel plan offers wide coverage to ease travel woes for you and your family throughout all 365 days of the year.  

If you are travelling alone, you need to be at least 18 years to 79 years old. 

For those who travel in a family or group, you will be able to apply protection for your child at a minimum age of 30 days to 23 years old.

Does this plan offer any bonus coverage?

The Citibank Smart Traveller Gold can be a lifesaver, especially for the more adventurous travellers out there, as it covers riskier holiday activities other than travel inconveniences and medical expenses.

 You can get protection while scuba diving and winter sports WITHOUT having to fork out more cash on premium payments. 

On top of that, you will also be protected against any act of terrorism during your travels.

How do the premiums for this plan work?

Citibank's SmartTraveller is a plan that covers 3 General Areas, that are broken down in the list below;

Area 1Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, Myanmar (Burma), New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, and Vietnam only.
Area 2Overseas EXCLUDING USA, Canada, Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan and Zimbabwe.
Area 3Overseas EXCLUDING Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan and Zimbabwe
Therefore, the premiums will be charged based on the area or country you are visiting. Premiums rates will be set as follows for all individual travellers;
PlanArea 1Area 2Area 3
SmartTraveller Annual GoldRM220RM260RM320

I'm constantly worried about delayed luggage, can I claim for this inconvenience?

Your worries are not unfounded - most of us would paranoid about not being able to get a hold of our luggage and belongings especially in-between connecting flights. 

Set your troubled heart aside, as you will be able to receive compensation of up to RM1,600, or RM200 for every 6 consecutive hours of delay.

You can buy basic toiletries while waiting for your luggage to arrive!

Can I continue to receive treatment in Malaysia for an injury/illness suffered overseas?

Absolutely, you can proceed with follow-up treatment within 90 days of returning to Malaysia and claim for reimbursement for up to RM30,000.

Will my insurance plan cover for any burglary at my house while traveling?

Citibank Smart Travel Gold offers home care benefit - you will receive maximum coverage for up to RM5,000 for damages or loss resulting from burglary or fire to your home while you and your family are away.

What kind of personal liability is covered for the Citibank Smart Traveller Annual Gold?

If you were to cause any damages to a third party or their property, this insurance policy will make sure that your butt is covered for up to RM1,000 for the cost of damages or injury suffered by them.