Citi offers three supplemental medical plans:

Offered through Aetna, these plans pay a cash benefit directly to you when you or a covered dependent have an accidental injury, are diagnosed with a critical illness or experience a hospital confinement that is covered by the plan. You can use the money to help pay out-of-pocket medical expenses, such as home health care and rehabilitation or medical plan copays, coinsurance, and deductibles. You can also use the money to cover everyday expenses, like childcare, mortgage payments, and utility bills.