Secure a lasting legacy for your loved ones with premiums as low as RM1.90 per day and up to 200% lump sum payouts.
Safeguard your future and that of your loved ones with a Life Assurance plan that offers you the protection you deserve. Essential LifeCare is a non-participating term plan designed to cover you and your family in the event of Total and Permanent Disability or death, with up to 200% sum insured upon accidental death. And, as Citi credit cardmembers, you are eligible to apply without undergoing any medical examination.
Note: In view of the shift in Citi's business strategy, please be informed that this insurance plans/product distributed by Citi is currently unavailable.
Essential LifeCare is a term plan which provides a lump sum benefit upon the death or Total and Permanent Disability of the insured. In addition, this plan also provides higher sum assured if death is accidental.
Benefit
- 100% of the sum assured is payable upon death due to Non-accidental causes.
- 200% of the sum assured is payable upon death due to Accidental causes.
- 100% sum assured is payable in the event of Total Permanent Disability (TPD) prior to age 65.
Features at a Glance 
Citi Principal and Supplementary cardmembers aged 18 to 55 are eligible for Essential LifeCare without undergoing any medical examination - as long as you meet the health declaration criteria during the enrolment process.
The major exclusions are stated as below:
- Death caused by suicide within one (1) year from the issue date or commencement date, whichever is later. AIA’s liability shall be limited to the refund of premiums paid without interest.
- Any accidental death resulting from:
- willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane.
- service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order.
- participation in any fights or affray.
- accident occurring while or because the insured is under the influence of alcohol, any non-prescribed drug or illegal drug.
- Any total and permanent disability resulting from:
- willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane.
- services in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order.
- any congenital defect which has manifested or was diagnosed before the insured attains seventeen (17) years of age.
- any disability resulting from a physical or mental condition which existed before the issue date or commencement date, whichever is later, which was not disclosed in the application or health statement.
Note:
The above list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.
- This write-up is for general information and is not to be construed as a contract of insurance. The precise terms, conditions and definitions of the insurance plan are specified in the policy contract issued by AIA Bhd.
- This is an insurance product of AIA Bhd. It is not a bank deposit or obligation of or guaranteed by Citibank Berhad, Citbank NA, CitiGroup Inc., or any of their affiliates or subsidiaries.
- You should satisfy yourself that this insurance product will best serve your needs and objectives, and that the premium payable under the policy contract is an amount you can afford.
- There may be eligibility criteria to purchase this insurance product. An underwriting decision (if any) will be made by AIA Bhd. regarding the customer’s eligibility to purchase this insurance product.
- This document does not constitute the making of any offer or invitation to subscribe for insurance products nor does it amount to solicitation by Citibank Berhad, Citibank NA, CitiGroup Inc., or any of their affiliates or subsidiaries for applications of insurance products by anyone in any jurisdiction in which the making of such offer or invitation to subscribe or the solicitation thereof is not authorized or to any person to whom it is unlawful to make such an offer, invitation or solicitation.
- This write-up does not constitute the distribution of any information by anyone in any jurisdiction in which such distribution is not authorized or to any person to whom it is unlawful to distribute such a document.
- This insurance plan is underwritten by AIA Bhd. (Co. No 790895-D) licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.