Citibank

Underwritten by AXA Affin General Insurance Berhad

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.

    • Individual
    • Personal Accidents
    • Medical Related
    • Travel Inconvenience
  • RegionRegion covered by this plan?Excluded Countries
    Malaysia
  • None
    Asia
  • View
    Worldwide
  • View

Apply online now for Citibank SmartTraveller Annual Gold

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Contact Info

Who do I contact for any inquiries?

Travel Assistance Hotline & Services
  •  +60376283636
  • 24-hour AXA Travel Assistance Hotline
  • Citibank Hotline
  •  +60321667777
  • Premiums

    *

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

    Across Asia
    Individual
    Couple
    Family
    Annual Plan
    RM 220
    Not insured
    Not insured
    Worldwide
    Individual
    Couple
    Family
    Annual Plan
    RM 320
    Not insured
    Not insured

    *inclusive of 6% GST


    Fees & Charges

    There are always fees but how much are they?

    Stamp Duty Fee
    No Fee

    Coverage

    What can I claim from this insurance policy?

    Personal Accident
    Malaysia
    Asia
    Worldwide
    Accidental Death

    The worst thing that could ever happen while you're on holiday

    Not covered
  • RM 250000 individual
  • RM 250000 individual
  • Permanent Disability

    An accident that leaves you unable to work or care for your family

    Not covered
  • RM 250000 individual
  • RM 250000 individual
  • Loss of Limbs or Sight

    Injury that prevents you from ever working again

    Not covered
  • RM 125000 individual
  • RM 125000 individual
  • Medical Related
    Malaysia
    Asia
    Worldwide
    Education Fund

    Payment to an education fund for your children in the event of your death

    Not covered
  • RM 10000 individual
  • RM 10000 individual
  • Medical Expenses

    Cover for hospital charges related to accident and injury

    Not covered
  • RM 200000 individual
  • RM 200000 individual
  • Visiting Allowance

    Financial help when you need to visit a family member in hospital

    Not covered
  • RM 5000 individual
  • RM 5000 individual
  • Traditional or Alternative Medicine

    When conventional treatment is just too mainstream

    Not covered
  • RM 500 individual
  • RM 500 individual
  • Child Care

    Need a childminder whilst you're in hospital? No problem

    Not covered
  • RM 5000 individual
  • RM 5000 individual
  • Follow-up Treatment in Malaysia

    Your treatment and recovery might take a while

    Not covered
  • RM 20000 individual
  • RM 20000 individual
  • Hospital Fees

    Never mind the doctor's bills - just get better

    Not covered
  • RM 10500 individual
  • RM 10500 individual
  • Quarantine

    Catch a contagious disease and you'll be spared the cost of isolation

    Not covered
  • RM 2000 individual
  • RM 2000 individual
  • Medical Evacuation

    Fees can be astronomical - better to be safe at home than broke

    Not covered
  • Unlimited individual
  • Unlimited individual
  • Emergency Transportation to Malaysia

    For when you need to go home: right now!

    Not covered
  • Unlimited individual
  • Unlimited individual
  • Funeral In Malaysia

    Bringing your body back home for burial

    Not covered
  • Unlimited individual
  • Unlimited individual
  • Travel Inconvenience
    Malaysia
    Asia
    Worldwide
    Loss of Luggage and Personal Belongings

    You might arrive safely at your destination, but will your suitcase?

    Not covered
  • RM 5000 individual
  • RM 5000 individual
  • Loss of Passport and Money

    Every traveller's worst nightmare covered

    Not covered
  • RM 5000 individual
  • RM 5000 individual
  • Luggage Delay

    You might arrive safely at your destination, but will your suitcase?

    Not covered
  • RM 800 individual
  • RM 800 individual
  • Travel Delay

    Get compensated for late arrival at your holiday destination

    Not covered
  • RM 2000 individual
  • RM 2000 individual
  • Travel Cancellation

    Cover for an unexpected incident that forces you to cancel your trip

    Not covered
  • RM 500 individual
  • RM 500 individual
  • Loss of Travel Deposit due to Cancellation

    Get a refund on your travel deposit if you choose to cancel your trip

    Not covered
  • RM 20000 individual
  • RM 20000 individual
  • Travel Interruption

    Nobody likes a holiday cut short - get paid if it happens to you!

    Not covered
  • RM 20000 individual
  • RM 20000 individual
  • Denied Boarding

    Plane overbooked? Been kicked off the flight? Get compensation!

    Not covered
  • RM 200 individual
  • RM 200 individual
  • Missed Connecting Flight or Transport

    Don't worry about the cost of missing the next connection

    Not covered
  • RM 300 individual
  • RM 300 individual
  • Hijacking

    Get covered for every travellers worst nightmare

    Not covered
  • RM 10000 individual
  • RM 10000 individual
  • Missed Departure

    Been left behind thanks to public transport being late? Get money back

    Not covered
  • RM 1000 individual
  • RM 1000 individual
  • Travel Re-route

    Flight diversions add unnecessary expense - get yourself covered

    Not covered
  • RM 250 individual
  • RM 250 individual
  • Loss of Travel Deposit due to Airline Bankruptcy

    Probably not a wise choice to fly with this airline again

    Not covered
  • RM 10000 individual
  • RM 10000 individual
  • Loss of Credit Card

    Cover for purchases made after your card is stolen

    Not covered
  • RM 5000 individual
  • RM 5000 individual
  • Personal Liability
    Not covered
  • RM 1000000 individual
  • RM 1000000 individual
  • Home Care

    Loss or damage to your home and contents when you are away

    Not covered
  • RM 5000 individual
  • RM 5000 individual
  • Loss or Damage to Rental Car

    Don't pay the Rental Excess charge - get covered at a reasonable cost

    Not covered
  • RM 1000 individual
  • RM 1000 individual
  • Ransom Payment for Hostage and Kidnapping

    It's some consolation to know that your captor's demands will be met

    Not covered
  • RM 100000 individual
  • RM 100000 individual
  • Substitution Cost

    Can't go on that business trip after all? Send someone else at no extra cost

    Not covered
  • RM 3000 individual
  • RM 3000 individual
  • Loss or Damage of Golf Equipment

    Your clubs don't come cheap - get them covered!

    Not covered
  • RM 2000 individual
  • RM 2000 individual
  • Requirements

    Are you eligible to apply for this insurance?

    Annual Plan
    For Individuals
    Between 18 and 69 years of age

    Frequently Asked Questions about Citibank SmartTraveller Annual Gold

    Things you might want to know

    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 minimum age of 30 days to 23 years old.

    Does this plan offer any bonus coverage?

    The Citibank Smart Traveller Gold can be a life saver, 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.

    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.

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