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  1. Private customers
  2. For an active lifestyle

Insurances for an active lifestyle

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Simple insurance purchase

Buy insurance on the Citadele mobile app within a minute.

Easy claims process

Submit claims in the Citadele mobile app.

No additional fees

All costs included in the monthly fee.

Insurance service provided by Balcia Insurance SE, brokered by AS Citadele Banka. Before taking out insurance, carefully read the insurance terms.

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 EUR 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.

Terms of purchase insurance

Insurance plans

Standard
4.00 EUR / month		 Premium
7.00 EUR / month
Damage, theft or robbery of mobile devices (deductible 100 EUR) 1000 EUR 5000 EUR
Damage, theft or robbery of a 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 (deductible 100 EUR) 1000 EUR
Damage, theft or robbery of a 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 (deductible 100 EUR) 5000 EUR
Damage, theft or robbery of a 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

Insurance plans

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

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

Buy in app

* A mode of transport belonging to you or your family member which is not subject to compulsory 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

  • Purchase insurance if you are aged 18 or older.
  • Sign up for a year and cancel whenever you want. Insurance payments are taken automatically from your chosen account once per month.
  • You have the right to cancel your application within the first 14 days of applying. In this case, your insurance premium payment will be refunded.
  • Submit a claim through the Citadele app: More > Insurance > My insurance.

Need help?

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

You can submit a city combo insurance claim through the Citadele app. Log in, go to the Services screen, and click on Insurance > City Combo > Submit a claim.

If an incident occurs:

1. Contact the relevant authority to notify them of the incident (medical services, if there has been an accident; the police, if there has been a theft, robbery or traffic accident; the fire service, if there has been a fire; the emergency gas service, if there has been an explosion, etc.), take measures to avoid and reduce losses, ensure that the circumstances of the incident and any damaged objects are photographed or filmed, and contact Balcia Insurance SE as soon as possible.

2. If possible, submit the extent of damage to Balcia Insurance SE:

• If your property is damaged, an invoice/quote for potential repairs or replacement;

• In case of an injury, a statement from your doctor regarding your injury.

3. A decision on your claim will be made and sent to you no later than five (5) days from the time we recieve all the documents we need to determine the reasons, circumstances and effects of the incident and calculate the amount of compensation required.

A decision on the disbursement of compensation will be made and sent to you no later than five (5) days from the time we have received all the documents necessary for determining the reasons, circumstances and consequences of the incident and calculating the amount of compensation. 

  • In case of damage to your property: losses can be compensated either with a transfer to your account, or by paying an invoice for repairs or the purchase of a new vehicle.
  • In case of injury: the amount of compensation will be calculated as set out in the description of specific risks.
  • Civil liability insurance: we will compensate the amount requested by the 3rd party who has incurred losses.

You do not need to register your bicycle. 

You will be compensated for the price difference if, 30 days from purchase, the store from which you purchased lowers the price by more than €20.

The following cannot be used for calculating the price difference:

  • gift cards, coupons, savings programme cards or employee bonus programmes; 
  • prices linked with a service agreement, special financing or additional benefits (transport, installation etc.); 
  • prices set if the retailer is bankrupt, in administration or liquidated, if discounts are linked with store rennovations, or if a price is set for cash payments; 
  • special campaigns (such as Black Friday, end of season) and sales; 
  • prices set for special customer categories (club or association members etc.).

Yes, preferrably, because it covers incidents not covered by the manufacturer's warranty. such as theft or damage caused by being dropped. 

You can submit a city combo insurance claim through the Citadele app. Log in, go to the Services screen, and click on Insurance > City Combo > Submit a claim.

If an incident occurs:

1. Contact the relevant authority to notify them of the incident (medical services, if there has been an accident; the police, if there has been a theft, robbery or traffic accident; the fire service, if there has been a fire; the emergency gas service, if there has been an explosion, etc.), take measures to avoid and reduce losses, ensure that the circumstances of the incident and any damaged objects are photographed or filmed, and contact Balcia Insurance SE as soon as possible.

2. If possible, submit the extent of damage to Balcia Insurance SE:

• If your property is damaged, an invoice/quote for potential repairs or replacement;

• In case of an injury, a statement from your doctor regarding your injury.

3. A decision on your claim will be made and sent to you no later than five (5) days from the time we recieve all the documents we need to determine the reasons, circumstances and effects of the incident and calculate the amount of compensation required.

A decision on the disbursement of compensation will be made and sent to you no later than five (5) days from the time we have received all the documents necessary for determining the reasons, circumstances and consequences of the incident and calculating the amount of compensation. 

  • In case of damage to your property: losses can be compensated either with a transfer to your account, or by paying an invoice for repairs or the purchase of a new vehicle.
  • In case of injury: the amount of compensation will be calculated as set out in the description of specific risks.
  • Civil liability insurance: we will compensate the amount requested by the 3rd party who has incurred losses.

You do not need to register your bicycle. 

You will be compensated for the price difference if, 30 days from purchase, the store from which you purchased lowers the price by more than €20.

The following cannot be used for calculating the price difference:

  • gift cards, coupons, savings programme cards or employee bonus programmes; 
  • prices linked with a service agreement, special financing or additional benefits (transport, installation etc.); 
  • prices set if the retailer is bankrupt, in administration or liquidated, if discounts are linked with store rennovations, or if a price is set for cash payments; 
  • special campaigns (such as Black Friday, end of season) and sales; 
  • prices set for special customer categories (club or association members etc.).

Yes, preferrably, because it covers incidents not covered by the manufacturer's warranty. such as theft or damage caused by being dropped. 

More opportunities

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Life+ insurance

It’s more than just life insurance. This policy provides comprehensive financial protection covering accidents, injuries, illnesses, and even hospitalization – all in one plan. The service is provided by Citadele’s subsidiary AAS CBL Life.
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3rd pension pillar savings

Set up a regular payment, save time and grow your pension savings without even trying. Service provided by Citadele subsidiary AS CBL Atklātais pensiju fonds.
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Leasing

Financing of up to 90% for the purchase of a vehicle. Great terms even if you are not a Citadele customer. Apply and receive a reply within 2 hours.
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