FAQ

Your questions answered

We provide reliable and affordable insurance solutions for individuals and businesses. Our portfolio includes motor, home, travel and medical coverage, all designed to give you peace of mind.

You can request a quote through our website, WhatsApp, phone or by visiting our office. Share your details with us and we’ll guide you to the coverage that fits your needs.

Premiums can be paid digitally, via Sentoo or at our office.

Basic services are available online.

You can file a claim via WhatsApp, phone, email or in person. We’ll let you know which documents we need and keep you updated throughout the process.

This depends on the type of claim and the information we receive. We aim to process every claim as quickly and clearly as possible.

GENERAL FAQ

WA covers damage you cause to others. It does not cover damage to your own vehicle. With WA Essential, you meet the legal requirements to drive in Curaçao.

What is the difference between Essential, Essential Plus and Exclusive?

Exclusive: Full all‑risk coverage, including replacement options.

Essential: Basic third‑party liability, legally required.

Essential Plus: Adds coverage for theft, fire and collisions.

A deductible is the amount you pay first before your insurance covers the remaining cost.

Your premium depends on: – The type and use of the vehicle – Year and catalogue value – Your no‑claim history – The plan you choose

Call ForenSys at 9233 right away so they can prepare the accident report. Then contact Citizens so we can guide you through the next steps.

This depends on your claim history and the terms of your policy.

Home Insurance protects your house against events like fire, lightning, explosion, water damage, theft and vandalism. The level of protection depends on your plan.

It’s not required by law, but most lenders do require it. Even without a mortgage, it’s the safest way to protect your home.

Premiums are based on: – The value of your home – Your chosen coverage level – Past claims – Safety measures such as alarms or shutters

Contents coverage protects your belongings, such as furniture, electronics, clothing and jewelry.

Yes, through the Cat‑Nat add‑on. This includes earthquakes, seaquakes, volcanic eruptions, floods and strong currents.

Many newcomers, foreign workers and residents who need medical coverage for residency choose Citizens. Our plans are clear, affordable and compliant.

A solid, reliable plan that includes hospitalization, surgery, doctor visits, prescribed drugs, diagnostics and maternity care.

A more comprehensive plan with higher limits for consultations, maternity care, diagnostics and hospital treatment.

Yes. There is a 2‑month waiting period, and a doctor’s report is required with your application.

Yes. Both plans include maternity benefits, with higher limits under Medi Extra.

Yes. Prescribed drugs are covered when prescribed by a GP or specialist.

Yes. Treatment abroad must be approved by the Citizens Medical Advisor.

It covers one specific trip abroad; from the moment you leave home until the moment you return.

If you need emergency assistance during your trip or vacation, contact the Citizens Emergency Center immediately. We are available 24/7 at +297 583 4961.

Always call in the event of:
– Hospital admission
– An accident or illness
– The death of an insured person
– A forced early return

Before calling, have your policy number ready and note the address and telephone number where you can be reached.

Travelers who want simple, day‑priced coverage for occasional trips.

Depending on your plan: – Baggage and valuables – Medical expenses abroad – Emergency dental care – Repatriation – Trip interruption and extra expenses – Accidents (death or disability)

You pay per day of travel, with a minimum premium.

Children up to 4 years are covered for free under the Essential plan.

Yes. Winter sports, air ambulance and additional medical expenses can be added.

It’s a year‑round travel policy that covers all the trips you make during the year.

If you need emergency assistance during your trip or vacation, contact the Citizens Emergency Center immediately. We are available 24/7 at +297 583 4961.

Always call in the event of:
– Hospital admission
– An accident or illness
– The death of an insured person
– A forced early return

Before calling, have your policy number ready and note the address and telephone number where you can be reached.

Frequent travelers, business travelers or families who travel several times a year.

Coverage includes baggage, medical expenses, dental emergencies, repatriation, extraordinary expenses, baggage delay, and optional winter & water sports.

You can choose 60, 90 or 180 days per trip.

It is available as an optional add‑on.

Yes. Citizens provides tailored coverage for medical, motor, travel and property needs for businesses.

No. Because business needs vary, we create customized solutions instead of fixed packages.

Send us your request via Whatsapp. Our business insurance expert will get in touch with you.

Business Medical Insurance

Commercial Motor Insurance

Business Travel Insurance

Commercial Property Insurance

Yes. We can insure international staff and project‑based workers.

Call ForenSys at 9233 immediately. Once they complete the accident report, contact Citizens so we can start your claim.

You can submit your claim via WhatsApp, email or at our office.

This depends on the type of claim, but usually includes: – Claim form – ForenSys or police report – Medical reports or invoices – Receipts or proof of ownership

Processing times vary by product and situation, but we will keep you updated throughout the process.

Check your policy documents or contact our Claims Team. We’ll be happy to help you understand your coverage.

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