All references here to “Gold Card” means all Citibank Gold credit cards issued by Citibank Berhad (297089-M) (“Citibank”) and “Gold Cardholder” means the holder of a Gold Card.

Citibank is making available to the Gold Cardholders, through CitiPhone (“Services”), access to the following merchants (“Merchants” or “Merchant” depending on context):

1. Asia Assistance Network Sdn Bhd (470560-A);
2. Holiday Tours & Travel Sdn Bhd (23070-H); and
3. any other Merchant of products and/or services as Citibank may add or remove.

With specific reference to Holiday Tours Sdn Bhd, you will be entitled to receive Gold Travel Vouchers from Holiday Tours Sdn Bhd worth RM80 when you make a minimum ground purchase (on selected Holiday Tours housebrand, General Sales Agent (GSA) and Preferred Sales Agent (PSA) products) of at least RM3,500 per booking. For the avoidance of doubt, the redemption of the Gold Travel Vouchers, tours, travel and airline packages are governed by the applicable terms and conditions stipulated by Holiday Tours Sdn Bhd.

When a Gold Cardholder wishes to purchase or utilize any of the products and services offered or supplied by any of the Merchants, he/she may call CitiPhone and CitiPhone will re-direct the call to the relevant Merchants.

Payment for all products and services which requires payment from the Gold Cardholder must be charged to the Gold Card.

1. Citibank will not be liable to the Gold Cardholder or any person(s) whom the Gold Cardholder nominates to receive on behalf of or use any products and services offered or supplied by any of the Merchants. The rights, if any, which the Gold Cardholder may have in connection with the products and services are solely against the relevant Merchant of the products and services;

2. Citibank will not be liable to the Gold Cardholder or any other person(s) whom the Gold Cardholder nominates to receive on behalf of use any products and services offered or supplied by any of the Merchants for any death, injury or consequential loss or damage of any nature which may arisen from the supply of the products and/or the performance of the services by the relevant Merchant;

3. Citibank gives no representation or warranty with respect to any products supplied or services performed by the Merchant(s). In particular, with respect to the quality of the products and services or their suitability for any purpose. Notwithstanding any provisions to the contrary, any dispute or complaint concerning products or services received through the use of the Services must be settled directly between the Gold Cardholder and the relevant Merchant or Merchants. Citibank is not responsible for resolving such disputes or for the dispute itself; and

4. Citibank is not responsible for any acts or omissions on the part of any of Merchants or for any defect or deficiency in the services and products provided by any of the Merchants.

POLICY NO :

Citibank having applied to Chartis Malaysia Insurance Berhad (795492-W) (hereafter referred to as CMI ) and having paid or agreed to pay premium in consideration for the insurance herein, agree with CMI that any information supplied, be it by an application or proposal form or by any other method shall form the basis of this Policy.

CMI agree that if during the period of insurance stated in the schedule and any subsequent period in respect of which CMI agrees to accept the premium required for the renewal of this Policy, CMI shall provide the cover as described in this Policy.

The Policy and the schedule shall be read together as one document and any word or expression to which a specific meaning has been attached shall bear the same meaning wherever it may appear.

SIGN & FLY COVERAGE

SECTION 1 – COMMON CARRIER TRAVEL ACCIDENT

1.0 Preamble

CMI will pay to the Insured Person the Benefit if any Insured Event shall happen to the Insured Person whilst riding as a passenger in or on boarding or alighting from any Public Conveyance then being operated by a Common Carrier for which the Full Fare of the Insured Person has been charged by the Cardholder to their Citibank Card account, unless otherwise provided in the Preamble.

This insurance is extended to cover the Insured Person

1. while within any Common Carrier terminal building for the express purpose of engaging in passenger travel

2. while riding as a passenger in a registered four-wheel motorized vehicle or Public Conveyance, but only

   1. when going directly to an airport for the purpose of boarding an aircraft

   2. when leaving from an airport after alighting from an aircraft/ship until they reach their next destination

provided that in respect of 1.0 (b) (i) and (ii), the Insured Person’s Full Fare for such travel by air has been charged by the Cardholder to their Citibank Card account.

Should such travel be part of a packaged tour, cover shall apply only if a minimum of 80% of the total cost of the package tour has been charged to the Cardholder’s Citibank Card account.

1.1 Schedule of Benefits

Subject always to Item 1.3 Limit of Liability and 1.4 Multiple Cover Limit, the Benefit payable by CMI shall be in accordance with the percentage prescribed in the table below :-

Insured Event
The Insured Event under the Sign & Fly Coverage is Bodily Injury resulting solely, directly and independently of any other cause in

"Loss of Hearing" means Permanent irrecoverable and complete loss of hearing.

“Loss” as use above with reference to hand or leg means Permanent total loss of use or complete and permanent severance through or above the wrist or ankle joint, and as used with reference to eye means the total and irrecoverable loss of the entire sight of such eye.

If within one year from the Date of the Accident such injuries sustained by the Insured Person under Section 1 shall result in any Insured Event as specified in the above, CMI will pay the Percentage of Capital Sum as set opposite, provided, that not more than one of these sums (the greater) shall be payable for such Bodily Injuries resulting from any one Accident.

1.2 Capital Sum Insured

Preferred Visa / Mastercard Cardholder
Limit of Liability per Insured : RM 500,000.00

The sum payable to the Cardholder’s legally dependent Child shall be limited to a maximum of 25% of the Capital Sum Insured of the Cardholder.

1.3 Limit of Liability

The maximum combined liability of CMI under the Sign & Fly Coverage and the Overseas 24-Hours Personal Accident & Overseas Medical Expenses Coverage in respect of any one Loss Occurrence shall be RM45,000,000.00.

Should the aggregate amount of all claims payable from any one Loss Occurrence exceed RM45,000,000.00 then the amount payable in respect of each Insured Person shall be proportionally reduced.

1.4 Multiple Cover Limit

It is expressly agreed that in the event that the Insured Person is also covered under the Overseas 24-Hours Personal Accident & Overseas Medical Expenses Coverage, CMI’s maximum limit of liability shall be the Capital Sum Insured under only one of the policies, whichever is the higher.

1.5 Benefit Extensions

This Policy is extended to cover :-

1.6 Automatic Extension

1.7 Exclusions

This Section does not cover any claim directly or indirectly caused by, resulting from or in connection with :

1. war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power,

2. nuclear reaction, nuclear radiation or radioactive contamination,

3. riot,

4. any act of terrorism,

   For this purpose, an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

   This exclusion also excludes loss, damage, death, injury, illness, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism.

5. the Insured Person :

   1. engaging in air / water / land / travel except as a passenger
   2. engaging in a criminal act,
   3. committing suicide or intentional self-injury (whether felonious or not) or any attempt thereat while sane or insane.

1.8 Claim Conditions

2.0 Preamble

CMI shall indemnify the Insured Person up to the amount stated in the Schedule of Benefit in Section 2.1 below if any Insured Event under Section 2.2 shall happen whilst the Insured Person is travelling as a fare-paying passenger in a Scheduled Flight for which the Full Fare of the Insured Person has been charged by the Cardholder to their Citibank Card account, unless otherwise provided in the preamble.

Should such travel be part of a package tour, cover shall apply only if a minimum of 80% of the total cost of the package tour has been changes to the Cardholder’s Citibank Card account.

2.1 Schedule of Benefit

2.2 Insured Events

2.3 Exclusions

This Section does not cover any claim directly or indirectly caused by, resulting from or in connection with :

1. war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power,

2. nuclear reaction, nuclear radiation or radioactive contamination,

3. riot,

4. any act of terrorism,

For this purpose, an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

This exclusion also excludes loss, damage, death, injury, illness, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism.

5. the Insured Person :

1. engaging in air / water / land / travel except as a passenger

2. engaging in a criminal act,

3. failure of the Insured Person to take reasonable and necessary measures to save or recover lost baggage,

4. failure of the Insured Person to notify airport / Airline authorities of missing baggage at the destination point and obtain a property irregularity report,

5. abandonment of baggage to the airline or any other party

6. any motorised conveyances;

7. sports equipments;

8. perishable and consumable items;

9. antiques, artifacts, paintings, objects of art or any object with intrinsic value;

10. manuscripts, financial securities or instruments of any kind, currency notes or travellers cheques;

11. stamps, travel documents, credit cards, title deeds, driving licence and identity cards;

12. external prosthetic appliances or devices which includes but is not limited to artificial limbs, hearing aids, implanted pacemakers, contact lenses, glasses, artificial teeth and dental bridges;

13. musical instruments;

14. fragile items unless to an accident involving the conveyance in which they were being transported, theft or fire;

15. wear and tear or damage due to any process of repair, gradual deterioration, moths, vermin, atmospheric or weather mechanical or electrical failure or breakdown;

16. hired or leased equipment;

17. loss to baggage sent in advance, mailed or shipped separately;

18. loss to baggage left unattended in any place of which the general public have free access to;

19. loss of business goods or samples or equipment of any kind;

20. loss of data recorded on tapes, cards, discs or otherwise;

21. loss is respect of shortage due to error, omission, exchange transactions or depreciation in value;

22. mysterious disappearance;

23. confiscation, detention, destruction by customs or public authorities, objects that are worn on the body which have inclusions of precious metals, precious stones or semi precious-stones.

2.4 Claim Conditions

GENERAL CONDITIONS

1. "Accident" means a sudden, unforeseen and unexpected event.

2. "Airline(s)" means an Airline listed in the most current Official Airline Guide issued by and updated from time to time and the Airline holds a valid certificate, licence or similar authorization for scheduled air transportation issued by the relevant authorities in the country in which its aircraft is operating.

3. "Benefit" means the sum set out against the relevant Insured Event .

4. "Bodily Injury" means bodily injury which is caused solely and directly by an Accident and shall exclude bodily injury caused by sickness or disease, bacterial or viral infection not occurring through an accidental cut or wound.

5. "Cardholder" in respect of the Sign & Fly Coverage means the holder of a valid Citibank Preferred Visa / MasterCard (Basic Only) issued by the Insured and billed in Malaysia.

6. "Citibank Card" means Citibank Preferred Visa / MasterCard.

7. "Common Carrier" means a conveyance that is licensed for the carriage of passengers in accordance with the conditions and statutes laid down by the appropriate regulatory authorities and that is available for use by fare paying passengers.

8. "Child" shall mean any child of the Insured Person who is an unmarried person, is financially dependent upon the Insured Person and is under the age of 18, or up to the age of 23 for those registered as full time students at a recognised educational institution.

9. "Concessionary Fare" includes :

   1. Discounted tickets offered by a Public Conveyance operator,

   2. Tickets offered on special promotions, including ‘free tickets’ given together with purchased tickets, the cost of which have been charged by the Cardholders to
      their Citibank Card account, provided both purchased tickets and ‘free tickets" were issued in the names of Insured Persons,

   3. Tickets offered as part of Citibank Rewards Programs
      or similar programs offered by Citibank with or without
      additional cost chargeable. In the event that cost is
      chargeable, 100% of such cost must be charged by the
      Citibank Cardholders to their Citibank Card account.

10. "Date Of Accident" is the date when the accident occurs.
    
    
11. "Family Members" means the following :
    
    
    1. the Cardholder's legally married spouse, and
       
       
    2. all the Cardholder's legally dependent Child
       
       
12. "Full Fare" means the 100% fare payable by the Cardholder on standard fare or Concessionary Fare.
    
    
13. "Insured" means Citibank Berhad, Malaysia.
    
    
14. "Insured Person" in respect of the Sign & Fly Coverage means the Citibank Cardholder or any one of his Family Members as defined herein.
    
    
15. "Journey" means any trip not exceeding 30 days involving travel to any point outside of the territorial boundary of Malaysia, including its offshore islands.
    
    
16. "Loss Occurrence" means each and every claim and or series of claims arising out of any one Accident or event.

    The duration and extent of any one Loss Occurrence so defined shall be limited to 72 consecutive hours and a radius of one hundred (100) miles (one hundred and sixty (160) kilometers) radius, and no individual loss which occurs outside this period or area shall be included in that Loss Occurrence.

17. "Permanent" shall mean lasting twelve (12) calendar months from the date of accident and at the expiry of the twelve (12) calendar month period being beyond hope of improvement.

18. "Policy Period"shall mean the period for where insurance cover is effective. It is the period between the policy inception date (or date of its last reinstatement pursuant to the provisions of this policy, whichever is later) and the expiry date as stated in the Policy Schedule.

19. "Policy Schedule"shall mean the policy schedule attached to and forms part of this policy.

20. "Public Conveyance"means any Scheduled Flight, or any land or water conveyance which is duly licensed for the transportation of fare-paying passengers and shall exclude any private hire or rental vehicle or any conveyance operated for the purpose of sightseeing or tour.

21. "Scheduled Flight" means any one of the following :

    1. A flight on an Airline over a scheduled route,

    2. An additional flight operated by an Airline to meet demands over a scheduled route,

    3. A chartered flight on an Airline for which tickets are issued through appointed agents and available to the public at large.

    Departure times, transfers and destination points shall be established by reference to the Insured Person's Scheduled Flight ticket.

IN WITNESS WHEREOF, the CHARTIS MALAYSIA INSURANCE BERHAD, has caused this policy to be signed but it shall not be binding upon the Company unless countersigned by an Authorized Representative of the Company.

VICE PRESIDENT - ACCIDENT & HEALTH DIVISION
Chartis Malaysia Insurance Berhad (795492-W)