Multiple Critical Illness

Get well soon.

Multiple Critical Illness Get well soon.

Multiple Critical Illness provides sound financial support and protection against critical illnesses.


Critical Illness Endowment


Multiple Critical Illness provides sound financial support and protection against critical illnesses.


- Protection against Critical Illnesses

If the Insured is diagnosed to suffer one amongst the seven groups of critical illnesses 1, 100% of the Sum Assured 2 will be paid.
During the effectiveness of the policy, the beneficiary will be entitled to benefit payments for 3 different critical illnesses in 3 different groups.

- Premium Waiver

 After the first claim of critical illness has been approved, Policy owner will be waived from all premiums of the major policy and the policy will be renewed until the policy anniversary date after the 64th birthday of the Insured.

- Death Insurance Benefit

In the event of Death, 10% of the Sum Assured will be paid, even when two claims for critical illnesses have been made3.

Enhanced Protection

Enhanced protection will be provided with riders.

1) Please refer to the Lists of Groups of Critical Illnesses at www. or in the policies.
2) It is required that the Insured is still alive for at least 30 days after being diagnosed with a critical illness provided that such the first sign or symptom of the critical illness will only occur: (a) after 90 days since the application form for insurance policy is approved; (b) after 90 days from the approval date of the last reinstatement of the policy; the later date will be applied. Upon the payment of insurance benefit for the first critical illness is made, all riders will cease its effectiveness.
3) Conditions: Customers will be entitled the insurance benefits for two different critical illnesses if the second illness is diagnosed at least 12 months later than the first diagnosis of the former one. The insurance policy shall terminate immediately upon AIA makes 03 benefit payments for 03 different critical illnesses or upon the payment of death benefit made.

Criterion requirement

- Date of entry: From 18 years

- Age of Insured: 30 days to 60 years

- Max age at maturity: 65 years

- Regular premium payment period: Monthly/ Quarterly/ Bi-annually/ Annually.

To apply now:

  • Call CitiPhone at (84 28) 3521 1111 (84 28) 3521 1111.
  • Visit our branch at 115 Nguyen Hue, TP.HCM or 17 Ngo Quyen, Hanoi.

Terms and Conditions

  • Go paperless, save more trees with Citibank e-Statement.

Important notice

1. The insurance products are not bank deposits or obligations of, or guaranteed by Citibank, N.A., Hanoi Branch and Citibank, N.A., Ho Chi Minh City Branch ( hereinafter called “Citibank, N.A., Vietnam”) or any of its subsidiaries, group companies or affiliates. The purchase of the product is optional. The customer has full right to choose the suitable product fitting their needs and financial situation.

2. AIA Vietnam Life Insurance Company Limited (“AIA ”) is the insurance underwriter of this insurance plan and is solely responsible for all approvals, coverage and compensations of their insurance plans. All Claims under the policy will be solely decided upon by AIA.

3. This insurance product is not insured by any government agency. All insurance companies operating in Vietnam must follow the reserve fund that is required by Vietnam Ministry of Finance in order to fulfill their obligations as per their commitment to customers via insurance contract (Article 9 – Decree 46/2007/NĐCP on Regulation on financial requirement for Insurance Companies and Insurance Agencies).

4. The above information is intended for reference only. Please refer to the Policy Contract and the website for detailed Terms and Conditions.

5. There are certain conditions whereby the benefits under the plan will not be payable. These are stated as exclusions in the policy contract. You are advised to read the policy contract for the full list of exclusions.

6. The Benefit Illustrations (where applicable) presented are not actual and for illustrative purposes only. The accumulated interest rates, annual dividends and maturity dividend (where applicable) are subject to certain market factors etc. Past performance / record is not necessarily indicative of future result.

7. Buying a life insurance policy is a long term commitment. An early termination of the policy might involve high costs and the surrender value may be less than the total premium paid.

8. In order to support customer in premium payment, Citibank provides the Direct Debit Authorization (DDA) service by which insurance premium will be collected and paid to AIA in accordance with the amount and frequency requested by customer.

9.  Subject the specific insurance product Terms& Conditions, if you are not happy with your policy, you have the right to cancel it within the Cooling-off Period which is 21 ( twenty one) days after the AIA insurance acceptance date on the insurance certificate and date you receive the insurance certificate. AIA will refund all premiums paid after deducting health check fee and any expenses incurred for underwriting and policy issuance process, if there is any. Should you cancel the insurance policy after the Cooling-off Period, you may loose all paid premium and just receive the account value or surrender value, depend on case by case.

10.  You are advised to review your financial circumstances at least once annually in order for you to review and monitor your existing financial plans and to identify new and emerging financial needs that may arise.

11.  Citibank, N.A., Vietnam is not responsible or liable for any product and service offered by AIA Vietnam. AIA Vietnam is the insurance underwriter of this insurance product and is solely responsible for all insurance and compensation related matters.

12.  Tax benefits, if applicable are governed by local regulations and subject to changes in the tax laws. Citibank and its employees are not in the business of providing tax advice.

13. For more details, clarification, policy servicing, claim and cancellation enquiries, please call your bank financial consultant or contact:

CitiPhone (84 28) 3521 1111

Citibank branches:

  • Ha Noi: 17 Ngo Quyen St., Hoan Kiem District
  • Ho Chi Minh City: 115 Nguyen Hue Blvd., District 1