C card insurance

What is covered?
- Delay or cancellation of a regular flight for a reason independent of the customer’s wishes (technical issues, weather).
- Flight discrepancies, for example, if connecting flights are missed due to delay of the first flight.

Balcia covers
- Meals, hotel accomodation, transport to/from the hotel (daily limit: 100 EUR).
- In the case of flight discrepancies, hotel expenses (nightly limit: 100 EUR), other relevant expenses linked with transport.
- Exchange of travel tickets, 50% of the price difference between previously purchased tickets and new tickets, but not exceeding the amount of 200 EUR.

It is important when submitting your claim to contact your carrier for a statement confirming that your flight was cancelled or delayed.

You must submit the following to Balcia:
If your flight is delayed or cancelled:
- A document from your airline confirming your flight was delayed, cancelled or that you were refused boarding and why.
- A copy of your tickets or boarding pass.
- Receipts for your food, transport and hotel.

If there was a discrepancy between the time one flight arrived and the next departed:
- A document from your airline confirming your flight was delayed, cancelled or that you were refused boarding and why.
- Tickets (a copy of your new ticket, your unused ticket or boarding pass).
- Receipts for the purchase of new tickets.
- Receipts for hotel expenses during the stopover, if used.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

What is covered?
- Serious illness, accidents, flare-ups of chronic illnesses and death of the customer or their family members.
- Terrorist attacks, cancelled concerts, pregnancy complications.
- The need to attend court; attendance needed regarding losses made to the customer’s property.
- If the trip is cut short due to serious illness in family members, accident, flare-ups of chronic illnesses, death, terrorism.

Balcia covers
- Costs related to the booked trip (airfare, accommodation, vehicle rental, theatre or concert tickets for trips within the country of residence).
- In the case of a trip being cut short, the purchase of new tickets, unused accomodation nights.

You must submit the following to Balcia:
- A document confirming the reason for annulment or cancellation (such as medical documentation, doctor’s note).
- In the case of family members, documents confirming your relationship.
- Documents confirming travel expenses (hotel, tickets, car rental agreement), your tour company agreement (if such exists).
- If your trip was interrupted, your new tickets and documents confirming payment.
- If the accident took place on a trip in your country of residence, information on your permanent/official residence.

! Trip cancellation also applies to trips within your country of residence.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

What is covered?
Losses incurred due to seeking legal assistance abroad should you accidentally breach local traditions, norms or laws and have run into legal problems as a result.

Balcia covers:
Legal expenses.

You must submit the following to Balcia:
- A police protocol for the incident;
- Confirmation of invoice payment for legal services.

When an insured event has occurred, call Balcia assistance service phone: (+372 69 91 575, e-mail: citadele@balcia.ee.

What is covered?
- Sudden heavy illness.
- Accidents.
- Flare-ups of chronic illness.

Balcia covers
- Medical expenses: doctor’s visits, medicines, urgent operations, transport, urgent dental treatment, pregnancy complications (<32 weeks), technical medical aids.
- Medical evacuation, transport: specialised transport, expenses for the person accompanying the patient (medical personnel or fellow traveller), ticket change if you miss your flight.
- Repatriation: transportation of mortal remains to their country of residence.
- Evacuation of children, if they become unaccompanied.
- Arrival of 1 family member: tickets, hotel and per diem (up to 100 EUR per day).

Important: Always contact Balcia if the insured person is conscious. Balcia will inform you of where to go depending on the patient’s health condition. If you cannot contact Balcia, you should go to a state, rather than private, medical institution where possible. If you are in the USA, Turkey, Egypt, Greece, Bulgaria, Russia, Belarus, Spain or Thailand, be sure to contact Balcia.

You must submit the following to Balcia:
- A doctor’s note confirming diagnosis.
- Invoices and a document confirming that the invoice has been paid.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

We cover losses covered incurred due to the unnoticed theft, or theft with break-in or robbery, of goods, if this incident occurs within 180 days of the purchase. The purchase must have been made with the relevant Citadele X card.

Important! You must notify the police as soon as you notice the theft.

You must submit the following to Balcia:
- The receipt for your purchase.
- A police report/statement on the theft or robbery.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

What is covered?
- Baggage delay at your destination for longer than 2 hours.
- Loss, theft or damage of your luggage for which the operator is at fault.

Balcia covers
- Essential goods, toiletries, expenses relating to the purchase of climate-suitable clothing, phone charger, sports equipment rental.
- Repairs in the case of damage. If it will not be possible to repair the luggage, the actual value of the luggage, applying 15% depreciation per year starting from the second year.

Important
- Losses already covered by the airline are not covered.
- To apply for compensation, you must contact the airport for a document confirming that your baggage was delayed, damaged or lost.

You must submit the following to Balcia:
- The confirmation document.
- Your baggage ticket.
- Receipts for the essential items you purchased to replace items in your delayed baggage (if your baggage was delayed) or a photo and the purchase year and price of your damaged baggage.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

We insure any defect named in the manufacturer warranty for an electronic device which occurs suddenly and unexpectedly within one year of the manufacturer warranty expiring, but no later than three (3) years after the product was purchased.

You must submit the following to Balcia:
- The receipt for your purchase.
- The manufacturer’s warranty documents.
- Confirmation from a repair company about the defect.
- If it can be repaired: a document confirming payment from the business who undertook the repair.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.