Products & Services
Home>Products & Services > World Class Products > International Exclusive
 
Access to the world's best healthcare. Powered by Citi.

Global medical solutions with InternationalExclusive

Having access to the best healthcare at home or abroad is a great boon for peace of mind. With InternationalExclusive, an ideal solution is now available to give you and your family the best medical care and protection money can buy.
 
Apply Now
 
 
bullet point Global coverage: access to more than 1000 hospitals in 144 countries
bullet point High annual limit: giving you the best local and global medical care and protection your money can buy
 
InternationalExlusive, Up to RM7 million annually. InternationalExlusive Plus, Up to RM9 million annually.
 
bullet point High entry age bracket: entry level up to 80 years old and more*
bullet point Pre-existing condition benefit: covers you even on your pre-existing and chronic conditions*
bullet point Direct settlement: direct medical bills settlement by insurer including overseas hospitals*
bullet point In-patient cover: includes hospital stay charges throughout your hospital treatment, accommodation and cash benefits
bullet point Out-patient cover: includes General Practitioners and specialist consultations, prescribed drugs, dressings, necessary diagnostic tests and vaccinations
 
 
Underwritten by AXA Affin General Insurance Berhad, member of AXA Group with 95 million customers worldwide.
Click here to view Terms and Conditions.
 
bullet point 24-hour claims enquiry
bullet point Pre-existing and chronic conditions covered*
bullet point Medical bill paid directly by insurer*
bullet point International Emergency Medical Assistance
bullet point Entry level up to age 80 and more*
bullet point Covers you anywhere you are in the world*
bullet point Covers your pregnancy and delivery cost (InternationalExclusive Plus)*
 
 
Underwritten by AXA Affin General Insurance Berhad, member of AXA Group with 95 million customers worldwide.
Click here to view Terms and Conditions.
 
 
Wherever your travels take you, go with the assurance that quality healthcare is yours should you need it, at all the top hospitals globally.
 
World Rank Top Hospitals
1 NYU Langone Medical Center New York
2 University of Michigan Health System
3 University of Kansas Medical Center
4 Buddhist Tzu Chi General Hospital
5 University of Texas Medical Branch at Galveston
6 Taipei Veterans General Hospital
7 Vanderbilt Medical Center
8 University of Virginia Health System
9 Johns Hopkins Medicine
10 Texas Tech Health Sciences Center
11 Navy Medicine
12 University of Kentucky Academic Medical Center
13 University of Maryland Medical Center
14 University of Texas Southwestern Medical Center at Dallas
15 Cleveland Clinic Cleveland Ohio
16 University of Nebraska Medical Center
17 University of Rochester Medical Center
18 University of Miami Hospital & Clinic
19 University of Arkansas Medical Center
20 M. D. Anderson Cancer Center
21 Faculty of Medicine Siriraj Hospital
22 Health Care University of Connecticut Health Center John Dempsey Hospital
23 Tricare Military Health System
24 Columbia University Medical Center New York
25 University Clinic Heidelberg Universittsklinikum Heidelberg
26 Hospital Authority
27 Children's Hospital Boston
28 George Washington University Medical Center
29 Assistance Publique Hôpitaux de Paris
30 Wake Forest University Baptist Medical Center
31 INCA Instituto Nacional de Câncer
33 Chang Gung Memorial Hospital
34 Maharaj Nakorn Chiang Mai Hospital & Faculty of Medicine
35 Memorial Sloan Kettering Cancer Center
36 National Cancer Center Hospital
37 Massachusetts General Hospital
38 Arizona State Hospital
39 Landstinget i Östergötland
40 Asan Medical Center Seoul
41 King Faisal Specialist Hospital & Research Centre
42 University California Davis Health System
43 National Hospital Organization
44 Rush University Medical Center *
45 Mayo Clinic Scottsdale AZ
46 Royal Children's Hospital
47 St. Jude Children's Research Hospital
48 Mckay Memorial Hospital
49 Wright Patterson Medical Center
50 University of Pittsburgh Medical Center
The list above is non-exhaustive. The list of hospitals that you are covered at depends on the area of cover in your plan. For more info on the latest network of hospital listing, InternationalExclusive policyholders are advised to contact the Health Services Team network at 1800 88 2236 (within Malaysia) / +603-2026 0929 (outside Malaysia)
 
Source: click here
   
  Underwritten by AXA Affin General Insurance Berhad, member of AXA Group with 95 million customers worldwide.
  Click here to view Terms and Conditions.
   
  • Q1: Will I be covered for any illnesses I’ve had in the past?
  • A: Yes, after nine months of consecutive membership, provided you declare on the application form any illness you have had in the past, InternationalExclusive guarantees to cover related treatment up to the amount shown under the
    pre-existing condition benefit of your plan.
  • Q2: Will I be covered for long-term illnesses?
  • Q5: Is there any dental benefit?
  • Q6: Can I cover my children too?
  • Q7: Can I choose where I get treatment?
  • Q8: Do you always pay claims in full?
  • Q9: What do you mean by reasonable and customary?
  • Q10: Will I be penalized if I go outside the AXA network?
 
Underwritten by AXA Affin General Insurance Berhad, member of AXA Group with 95 million customers worldwide.
Click here to view Terms and Conditions.
 
 
 
icon contact Alternatively, call your Relationship Manager or SMS “HEALTH” to 36700.
 
Alternatively, let us call you back. Simply leave your details here.
 
Exclusions
 
Important information
Please read the key terms and conditions below.		  
Exclusions
  This policy does not cover any hospitalisation, surgery or charges caused directly or indirectly, wholly or partly, by any one of the following occurrences:
• treatment of any medical condition which the member already had when he or she joined and which you should have told us about but did not tell us at all or did not tell us everything unless we had agreed otherwise in writing that there was no need for you to tell us. This includes any medical condition or symptoms whether or not being treated and any previous medical condition which recurs or which the member should reasonably have known about even if he or she has not consulted a medical practitioner.
• normal pregnancy or childbirth (delivery) unless this is specifically included in your benefits table. We will not pay for treatment of any medical condition that arises during pregnancy or childbirth (delivery) if the pregnancy was a result of any form of assisted conception including artificial insemination.
• investigations into and treatment of infertility, contraception, assisted reproduction, sterilization (or its reversal) or any consequence of any of them or of any treatment for them.
• treatment of impotence or any consequence of it.
• treatment of sexually transmitted diseases.
• sex change including treatment which arises from or is directly or indirectly made necessary by a sex change.
• treatment of any medical condition which arises in any way from HIV infection.
• the costs of collecting donor organs for transplant surgery or any administration costs involved even if such transplants are allowed by the terms of this plan.
• treatment which arises from or is directly or indirectly caused by a deliberately self-inflicted injury or an attempt at suicide.
• treatment which arises from or is in any way connected with alcohol abuse or drug or substance abuse.
• any treatment to correct long or short-sightedness.
• claims in respect of treatment received outside the area of cover or if the member travelled against medical advice even inside the area of cover.
• any charges which are incurred for social or domestic reasons or for reasons which are not directly connected with treatment.
• any charges for treatment related to and/or the correction of congenital conditions and/or deformities whether or not manifest and/or diagnosed or known about at birth.
Note: This list is non-exhaustive. Please refer to the policy contract for the full terms and conditions under this policy.
 
Disclaimer
 
Important information
Please read the key terms and conditions below.		  
1. This insurance plan is underwritten by AXA Affin General Insurance Berhad, Ground Floor Wisma Boustead,
71 Jalan Raja Chulan, 50200 Kuala Lumpur.
2. These insurance products are obligations only of the insurance company.
3. They are not bank deposits or obligations of or guaranteed by Citibank Berhad, Citibank NA, CitiGroup Inc. or any of its affiliates or subsidiaries.
4. 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 its affiliates or subsidiaries for application 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.
5. This document also 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.
6. Please refer to the Product Disclosure Sheet for further details. All benefits listed above are subject to terms and conditions. You are advised to read and understand the policy terms and conditions before you decide to purchase the policy.
 
 
 
Start a Citigold relationship today
Citibank Account Terms & Conditions