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  1. Private customers
  2. For an active lifestyle

Insurances for an active lifestyle

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Easy insurance purchase

Purchase insurance on the Citadele app within a minute.

Easy claims process

Submit claims in the Citadele mobile app.

No additional fees

All costs are included in the monthly fee.

Insurance services are provided by the insurer "Balcia Insurance SE", registration No. 304498010, legal address Perkūnkiemio str. 5, LT-12129 Vilnius, phone No. +370 5 2000 630, email info@balcia.lt, website www.balcia.lt, on whose behalf acts insurance agent AS “Citadele banka” Lithuania branch, registration No. 304940934, legal address Konstitucijos Ave. 18B, LT-09308 Vilnius. Before signing the insurance contract, please read the terms and conditions of the contract and consult an expert, if necessary.

Two people sitting on a pier by the ocean; one has a leg in a cast.

Multi-trip travel insurance

When you travel often – with family or alone – unexpected expenses can ruin the entire experience. Multi-trip travel insurance may protect you from financial losses on trips in Latvia and abroad.

  • Unexpected medical expenses.
  • Delayed, damaged or lost baggage.
  • Flight delays, missed connections, trip cancellation, interruption or delay due to sudden illness or other reasons.
  • Costs for phone calls to the insurer or emergency services.
  • Deductible for rental vehicle KASKO insurance.

The insurance is valid for trips of up to 90 days. Also valid in Latvia if you are more than 80 km away from home and have booked accommodation for at least one night.

Multi-trip travel insurance terms and conditions

Insurance packages

Standard Premium
Individual 3.50 EUR/ month
Family 8.40 EUR/ month		 Individual 6.00 EUR/ month
Family 16.50 EUR/ month
Sports* yes yes
Extreme sports* - yes
Insured sum
Medical expense insurance 75 000 EUR 125 000 EUR
Emergency dental treatment or tooth damage 350 EUR 500 EUR
Medical aids 250 EUR 500 EUR
Luggage and personal property insurance 200 EUR 1000 EUR
Video, audio, photo, computer and similar equipment, electronics and their accessories, luggage and personal property insurance - 500 EUR
Delayed luggage 100 EUR 400 EUR
Theft and robbery of cash 100 EUR 150 EUR
Trip cancellation, interruption, delay and missed trip connection insurance, flight delays insurance 250 EUR 1000 EUR
Compensation for new tickets at higher cost in the case of cancelled travel 50% of the ticket price difference, max. 200 EUR 50% of the ticket price difference, max. 200 EUR
Accident insurance (death, body injury) 10 000 EUR 20 000 EUR
Cost of telephone calls 250 EUR 500 EUR
CASCO insurance deductible coverage in accordance with vehicle rental contract - 1500 EUR
Third-party liability insurance 5000 EUR 10 000 EUR
Skiing insurance - 100 EUR
COVID-19 insurance

Medical expense insurance

 75 000 EUR 125 000 EUR
COVID-19 insurance

Insurance against trip cancellation or interruption

 - 1000 EUR
Buy in app Buy in app
Standard
Individual 3.50 EUR/ month
Family 8.40 EUR/ month
Sports* yes
Extreme sports* -
Medical expense insurance 75 000 EUR
Emergency dental treatment or tooth damage 350 EUR
Medical aids 250 EUR
Luggage and personal property insurance 200 EUR
Video, audio, photo, computer and similar equipment, electronics and their accessories, luggage and personal property insurance -
Delayed luggage 100 EUR
Theft and robbery of cash 100 EUR
Trip cancellation, interruption, delay and missed trip connection insurance, flight delays insurance 250 EUR
Compensation for new tickets at higher cost in the case of cancelled travel 50% of the ticket price difference, max. 200 EUR
Accident insurance (death, body injury) 10 000 EUR
Cost of telephone calls 250 EUR
CASCO insurance deductible coverage in accordance with vehicle rental contract -
Third-party liability insurance 5000 EUR
Skiing insurance -
COVID-19 insurance

Medical expense insurance

 75 000 EUR
COVID-19 insurance

Insurance against trip cancellation or interruption

 -

Buy in app
Premium
Individual 6.00 EUR/ month
Family 16.50 EUR/ month
Sports* yes
Extreme sports* yes
Medical expense insurance 125 000 EUR
Emergency dental treatment or tooth damage 500 EUR
Medical aids 500 EUR
Luggage and personal property insurance 1000 EUR
Video, audio, photo, computer and similar equipment, electronics and their accessories, luggage and personal property insurance 500 EUR
Delayed luggage 400 EUR
Theft and robbery of cash 150 EUR
Trip cancellation, interruption, delay and missed trip connection insurance, flight delays insurance 1000 EUR
Compensation for new tickets at higher cost in the case of cancelled travel 50% of the ticket price difference, max. 200 EUR
Accident insurance (death, body injury) 20 000 EUR
Cost of telephone calls 500 EUR
CASCO insurance deductible coverage in accordance with vehicle rental contract 1500 EUR
Third-party liability insurance 10 000 EUR
Skiing insurance 100 EUR
COVID-19 insurance

Medical expense insurance

 125 000 EUR
COVID-19 insurance

Insurance against trip cancellation or interruption

 1000 EUR

Buy in app

* Insurance is not valid if you participate in competitions or sports as a professional athlete.

Broken washing machine overflowing with foam.

Extended warranty insurance

You rely on your new appliance to last for years. But when the manufacturer’s warranty ends, any damage becomes your responsibility.
Extended warranty insurance may protect you from unexpected expenses when the device breaks down after the warranty ends.

  • Insurance is valid for 1 year after the manufacturer’s warranty ends.
  • The item must have an original warranty of up to 2 years.
  • Coverage applies to purchases made from a Citadele account.
  • Also valid for items purchased online up to 3 days before the policy comes into effect.
  • No deductible applies.
Extended warranty insurance terms and conditions

Insurance plans

Standard
2.75 EUR/ month		 Premium
5.20 EUR/ month
Insured amount 1000 EUR 5000 EUR
Buy in app Buy in app
Standard
2.75 EUR/ month
Insured amount 1000 EUR

Buy in app
Premium
5.20 EUR/ month
Insured amount 5000 EUR

Buy in app

Mobile device and purchase insurance

Your phone screen breaks or your child’s tablet is stolen on public transport? And the warranty doesn’t cover it?
Mobile device and purchase insurance acts as an additional warranty that may cover expenses for up to 365 days after purchase.

  • Coverage if the item is partially or permanently damaged or stolen.
  • Payout or coverage of repair costs, minus the deductible.
  • Compensation if the price of the item decreases by more than 20  within 30 days of purchase.
  • Coverage is also valid for online purchases made up to 3 days before the policy starts.

Other insured purchases

Coverage applies not only to mobile devices, but also to electronics, home appliances and everyday goods, if they were purchased using a Citadele account.

Purchase insurance terms and conditions

Insurance plans

Standard
4.00 EUR / month		 Premium
7.00 EUR / month
Damage, theft or robbery of mobile devices within 365 days of purchase (deductible 100 EUR) 1000 EUR 5000 EUR
Damage, theft or robbery of a purchase within 365 days of purchase (deductible 50 EUR) 1000 EUR 5000 EUR
Price protection
(price difference must be at least 20 EUR)		 300 EUR 500 EUR
Buy in app Buy in app
Standard
4.00 EUR / month
Damage, theft or robbery of mobile devices within 365 days of purchase (deductible 100 EUR) 1000 EUR
Damage, theft or robbery of a purchase within 365 days of purchase (deductible 50 EUR) 1000 EUR
Price protection
(price difference must be at least 20 EUR)		 300 EUR

Buy in app
Premium
7.00 EUR / month
Damage, theft or robbery of mobile devices within 365 days of purchase (deductible 100 EUR) 5000 EUR
Damage, theft or robbery of a purchase within 365 days of purchase (deductible 50 EUR) 5000 EUR
Price protection
(price difference must be at least 20 EUR)		 500 EUR

Buy in app
People moving along a city sidewalk – one on a skateboard, another on a bicycle, and a third on an electric scooter.

City Combo

A scooter in the city, a bike on weekends or a longboard in the park – they’re part of your everyday life. But accidents happen, and not everything is under your control.
City Combo insurance may protect you and your family when using alternative transport in Latvia all year round.

  • Insurance for scooters, segways, longboards, snowboards, bicycles and other non-registrable vehicles.
  • Coverage both during use and when the vehicle is stored – for you and your family.
  • Accidents where you or a family member are injured while using the insured vehicle.
  • Third-party liability if damage is caused to another person or their property.
  • No deductible applies in any case.
City Combo insurance terms and conditions

City Combo plans

Standard
2.42 EUR / month		 Premium
3.25 EUR / month
Insurance of bicycle, scooter etc.* 1000 EUR 2000 EUR
Collision 100 EUR 200 EUR
Accidents 1000 EUR 2000 EUR
Civil Liability 1000 EUR 2000 EUR
Hospital allowance / daily 10 EUR 10 EUR
Buy in app Buy in app
Standard
2.42 EUR / month
Insurance of bicycle, scooter etc.* 1000 EUR
Collision 100 EUR
Accidents 1000 EUR
Civil Liability 1000 EUR
Hospital allowance / daily 10 EUR

Buy in app
Premium
3.25 EUR / month
Insurance of bicycle, scooter etc.* 2000 EUR
Collision 200 EUR
Accidents 2000 EUR
Civil Liability 2000 EUR
Hospital allowance / daily 10 EUR

Buy in app

* Your and your family's vehicle, which is not subject to mandatory registration.

The illustration shows how to purchase various types of insurance in the Citadele mobile app: go to Services, select Insurance, tap '+', choose the desired insurance type, review the documents, and select a suitable plan.

Important!

  • You can buy a policy if you are at least 18 years old.
  • Subscribe to billing for a year and cancel whenever you want.
  • You have the right to terminate the contract within the first 14 days after concluding the contract, in which case you will be refunded the entire amount of the deposit.
  • Payment for the policy is made automatically from the account once a month.
  • You can fill out an insurance case application in the Citadele app: More > Insurance > My insurances.
Woman on the phone outdoors at a table, drinking orange juice, with a laptop, a bike is parked nearby.

Relevant before signing the contract

  • Assess your needs: what kind of protection do you require and whether it is provided by the selected product.
  • Check the terms and conditions of the insurance contract: what will be the insurance coverage, when will the insurance benefit be paid, what will be the monthly premiums and in what order they will need to be paid.
  • Check the detailed list of non-insurable events: find out in cases of which events or activities the insurance benefit will not be paid.

Check terms and conditions of multi-trip travel insurance, extended warranty insurance, purchase insurance and City Combo insurance.

Where to call if there's an accident?

Contact SE Balcia customer service by calling +370 5 2000 630 or write an e-mail to info@balcia.lt. Claims administration is carried out through the Lithuanian branch partner of Balcia Insurance SE, UAB OPS International, company code 111545266, address Liudviko Zamenhofo g. 3, LT-06332 Vilnius.

Claim online

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

Purchase insurance is a service which acts as an additional guarantee for purchases. Compensation is issued for damage or loss of purchases caused by theft, robbery or damage. It is also called electronics, product, mobile phone, household item or home appliance insurance.

If an accident has occurred:
1. You should turn to the competent institution and report the accident (to the medical institution if injury occurred; to the police if there was a theft, robbery or traffic accident; to the firefighting and rescue service - for a fire; to the emergency service - for an explosion, etc.), take measures , in order to prevent and reduce losses, ensure that the circumstances of the accident and the objects damaged in the accident are photographed or filmed, and contact Balcia Insurance SE as soon as possible.
2. Submit, if possible, the extent of damage:
o In case of property risk - invoice/estimate for possible repair or replacement;
o In the event of an accident – a statement from a doctor about the injury;
3. The decision on the compensation payment will be made and sent to you no later than 5 (five) days from the moment when all the documents are received, which are important for determining the reasons, circumstances and consequences of the insurance event and for calculating the amount of the insurance compensation.

The insurance price depends on the chosen coverage.

The decision on the payment of compensation will be made and sent to you no later than 5 (five) days from the day when all documents are received, which are important for determining the reasons, circumstances and consequences of the insured event and for calculating the amount of the insurance compensation.

You can make a insurance claim through the Citadele app. Log in, go to the Services screen, and click on Insurance > My Insurance > Submit a claim.

The decision on the compensation payment will be made and sent to you no later than 5 (five) days from the moment when all the documents are received, which are important for determining the reasons, circumstances and consequences of the insurance event and for calculating the amount of the insurance compensation.

Bicycle registration is not required.

Purchase insurance is a service which acts as an additional guarantee for purchases. Compensation is issued for damage or loss of purchases caused by theft, robbery or damage. It is also called electronics, product, mobile phone, household item or home appliance insurance.

If an accident has occurred:
1. You should turn to the competent institution and report the accident (to the medical institution if injury occurred; to the police if there was a theft, robbery or traffic accident; to the firefighting and rescue service - for a fire; to the emergency service - for an explosion, etc.), take measures , in order to prevent and reduce losses, ensure that the circumstances of the accident and the objects damaged in the accident are photographed or filmed, and contact Balcia Insurance SE as soon as possible.
2. Submit, if possible, the extent of damage:
o In case of property risk - invoice/estimate for possible repair or replacement;
o In the event of an accident – a statement from a doctor about the injury;
3. The decision on the compensation payment will be made and sent to you no later than 5 (five) days from the moment when all the documents are received, which are important for determining the reasons, circumstances and consequences of the insurance event and for calculating the amount of the insurance compensation.

The insurance price depends on the chosen coverage.

The decision on the payment of compensation will be made and sent to you no later than 5 (five) days from the day when all documents are received, which are important for determining the reasons, circumstances and consequences of the insured event and for calculating the amount of the insurance compensation.

You can make a insurance claim through the Citadele app. Log in, go to the Services screen, and click on Insurance > My Insurance > Submit a claim.

The decision on the compensation payment will be made and sent to you no later than 5 (five) days from the moment when all the documents are received, which are important for determining the reasons, circumstances and consequences of the insurance event and for calculating the amount of the insurance compensation.

Bicycle registration is not required.

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