THE  NEW  INDIA  ASSURANCE    
                 COMPANY  LIMITED
                          DIVISIONAL  OFFICE - 712500
       Allied Mount Casa Blanca Building, 2nd Floor, 260 Anna Salai, CHENNAI-600 006.
                                   Phone  044-852 2886, 044-852 3347    Fax : 044-858 6565  Email : nia25@vsnl.com

GOOD HEALTH  PERSONAL ACCIDENT  POLICY

Policy Benefits | Plan Options & Premium Rates | Age Limit  | Insured/Insured Person  | Claims Procedure| Nomination | Buy this policy   

POLICY BENEFITS                                                                                                        Go Top

This policy provides for the following benefits to insured persons, arising out of an accident, subject to policy terms, conditions, and exclusions :

PLAN OPTIONS AND PREMIUM RATES                                                                       Go Top

Good Health Personal Accident Insurance

Citibank customers need pay only the premium amount indicated in the Citibank customer rate column plus the transaction fee charged by Citibank,  according to the plan option selected by them. The limits indicated for Medical Expenses Reimbursement under the various plan options is forming part of the Personal Accident Cover sum insured for such plan options.  The Sum Insured and Premium indicated above are per person. Premium includes 12.24% service tax but does not include the Transaction fee charged by Citibank.  Those who are less than 21 years are eligible to apply only for Plan 1.

AGE LIMIT                                                                                                                                    Go Top

This insurance is available to persons between ages of  5 yrs and 70 yrs only.

Persons between 5 years  and 21 years of age are eligible to apply for plan option 1 only.

  The right to accept or reject for coverage any person proposed for this Personal Accident Insurance, whether for fresh or renewal, shall rest solely with the Company.  

4.   INSURED / INSURED PERSON                                                                                          Go Top

INSURED means  Citibank Credit Card Members / Customers who have proposed for this insurance.
INSURED PERSON means Citibank Credit Card Members / Customers and/or their family members covered by this policy.  

5.    What is the procedure for availing  this  Policy ?                                                                 Go Top

Fill up the Proposal Form 

The Proposer shall make an application either:  

(a) in writing, in the prescribed application / proposal form, duly completed and signed, alongwith the prescribed Medical Practitioner’s Report and diagnostic test reports, wherever applicable, in respect of all the persons proposed for this mediclaim insurance, to Citibank Card Center (Attn. Good Health Policy), 2 Club House Road, Chennai-600 002 , so that the said forms are received at Citibank prior to the last date specified for this purpose, to be eligible for consideration of his/her request for Good Health Mediclaim Policy cover, or

 (b) over phone, (local citiphone numbers)  where the persons proposed for insurance are not over 45 years of age, by providing the required details to Citibank authorized telecalling company and for which Citibank would submit the prescribed Authorisation–cum- Advice for policy issuance  (MOTO) to the Company, or

 (c) over internet,  where the persons proposed for insurance are not over 45 years of age, by filling up the required details in the application format provided at the Citibank website and for which Citibank would submit the prescribed Authorisation–cum- Advice for policy issuance  (Internet) to the Company.

 The Company shall not be liable for any dispute arising out of the transaction between the proposer and Citibank in respect of this insurance. The Company shall not be liable for omission or rejection of any such application either wholly or in part, due to any decision, action or omission of Citibank or due to non-receipt or delayed receipt (i.e., after the due date) of the application form or of the medical practitioner’s report, wherever required, or due to the application received being incomplete in any respect or due to any other reason whatsoever.

Send in the completed Proposal form 

Kindly send  in the duly completed proposal form(s)  to CITIBANK CARD CENTRE, No.2 Club House Road, Anna Salai, CHENNAI-600 002, so as to reach  before 1st of the month previous to the month in which you wish your Good Health policy to commence.

For the convenience of Citibank Card Members, we have 12 Good Health Policies in a year, one policy for every month, each commencing from the 1st day of the month. Each Good Health Policy is of 12 months duration.

6.    CLAIMS PROCEDURE                                                                                              Go Top

1)  Preliminary  notice of claim should be sent to the Company within 30 days from the date of death of the insured 
card  member.

2)  The completed claim form duly signed by the claimant, who shall necessarily be one of the legal heirs, together 
with the following documents should be submitted to the Company at the earliest and in any case not later than 
6 months from the date of death of the card member or within such further time as may be granted by the Company 
in this regard.

3)  Documents to be submitted along with the claim form :

a) Death Certificate (Original or xerox copy duly notarised or duly attested by an Officer of the Company)
b) FIR of Police Authorities (Original or xerox copy duly notarised or duly attested by an Officer of the Company)    
c) Post Mortem Report along with Chemical Analysis Report (Original or xerox copy duly notarised or duly 
attested by an Officer of the Company)
d) Police Inquest Report or Panchanama /Accident Reports (Original or xerox copy duly notarised or duly    
attested by an Officer of NIA)
e) Admission cum Death Summary from the Hospital in case of Hospitalisation following accident.
f) Copies of any document translated into English from any other language should be duly attested by the 
offical language  translator approved by the Govt. and duly notarised)

4)    While sending xerox copies to the Company kindly ensure that they are of readable quality. This is very 
important, especially in cases where such documents are in any language other than English, to facilitate easy 
and quick translation into English and faster claims processing.

5)   While sending xerox copies to the Company kindly ensure that they are duly verified and attested by a Class I 
officer of  NIA on all pages with  Signature, Name, Designation and Office Address of the Official.  

6)  Upon approval of the claim, an approval letter will be sent by the Company calling for the submission of the       
following documents to evidence the legal entitlement of the claimant to the insurance compensation payable       
under this policy.

i)  Nomination 
ii) If nomination is not available, then Legal Heirship Certificate issued by Competent Revenue Authority by 
Tashildar or District Collector or District/Divisional/Sub-Divisional  Magistrate  and Indemnity Bond.
iii)  If Legal Heir Certificate is not available, then Succession Certificate issued by Court.
iv) If Succession Certificate issued by Court is not available, then following set of documents should be 
produced.:- 

a)  An Affidavit from the claimant(s) that he/she/they is/are the Legal Heir(s) of the deceased.
b)  An Affidavit from other near relatives of the deceased that they have no objection if the claim amount is
paid to the claimant(s).
c)  Surety Bond executed by persons of reasonable standing.
d)  Indemnity Bond to be executed by all Legal Hier(s).

7.    NOMINATION

Nomination facility is available for persons covered under this Group Personal Accident Insurance. You may nominate the person of your choice to receive the personal accident compensation on your behalf. Nominations would help the nominee to receive the claim monies without any delay. To avoid any legal dispute it is always advisable that the nominee may be one of the legal heirs.

Nomination form is available in the Good Health policy salient features brochure. Filled in nominations should be sent to us in duplicate so that we can return one copy to you after duly registering your nomination in our records

Policy Benefits | Plan Options & Premium Rates | Age Limit  | Insured/Insured Person  | Claims Procedure| Nomination | Buy this policy