The following is a general description of the benefit plans and programs available to eligible Citadel and Citadel Securities employees. This summary is qualified in its entirety by the provisions of the actual plan documents.

 
Healthcare Plan
Cigna Corporation
Employees and their eligible dependents are eligible for company-paid healthcare coverage as of their date of hire under our Cigna Platinum Plan. Citadel’s comprehensive healthcare plan provides medical, dental, and vision coverage. 
 
VIP Appointment Scheduling
Cigna Corporation
When those covered under the healthcare plan are ill, Cigna will coordinate VIP appointments with domestic experts among cooperating hospital networks.
 
Group Term Life Insurance and Total & Permanent Disability
Generali China
The company provides 36x base monthly salary in life insurance and total & permanent disability coverage to all eligible employees. Employees receive a minimum coverage amount of RMB 200,000.
 
Accidental Death & Dismemberment
Generali China
The company provides 36x base monthly salary in Accidental Death & Dismemberment coverage to all eligible employees. Employees receive a minimum coverage amount of RMB 200,000.
 
Critical Illness Coverage
Generali China
In the event that an employee contracts one of 30 severe diseases covered by the Critical Illness benefit, the employee is eligible for a payment of RMB 150,000
 
Wellness Initiatives
Cigna Corporation

Our Wellness Benefit provides up to RMB 5,000 to cover routine physical exams, immunizations, and diagnostic screens & tests.

  • Lyra
    Provides a range of care options for your emotional and mental health how, when, and where you need it at no cost to you. Lyra’s offering includes 10 mental health coaching and / or therapy sessions for you, your family, and dependents.

  • Headspace
    Citadel offers all our employees unlimited access to Headspace, a leading wellness app that offers a variety of resources designed to increase mindfulness, improve sleep quality, enhance focus and productivity, reduce stress, and more.

  • Employee Assistance Program
    Cigna Corporation 
    Employees have 24-hour phone access to free, confidential counselling services. Professional consultants are available to offer help on a wide range of work and personal life topics. 

  • Medical Advisory/Consultation Hotline
    Cigna Corporation 
    This benefit provides professional medical advice and guidance from an expert team on routine medical issues and emergency cases.

  • Expert Second Opinion
    Cigna Corporation 
    Employees have access to an expert second opinion in cases where a serious medical diagnosis is given. This service provides an online review of the diagnosis and reassurances that the recommended medical treatment is appropriate.
Paid Time Off
All employees receive 20 days per year, which are pro-rated in the year of hire based on start date.

The company recognizes eighteen public holidays per year.
 
Educational Reimbursement
The Company recognizes the important role employees have in creating and maintaining a learning environment. Our Growth & Development Team provides professional development opportunities that enhance the performance of our individuals and teams through instructor and self-lead training opportunities
 
Business Travel Insurance
Citadel provides life insurance and AD&D coverage for all employees traveling on business. In addition, the Cigna Global Medical Benefits Abroad plan provides employees emergency medical coverage while traveling on business.
 
Health Club Membership
Citadel offers a company-paid, employee gym membership with Pure Fitness for employee located in Shanghai. 

 
Healthcare Benefit Overview
Insurance Benefit Citadel Platinum Plan
Annual Benefit RMB 20,000,000
Coverage Area Worldwide, excluding the US
Deductible RMB 0
Copayment 0%
Maternity Coverage 100% Refund up to RMB 60,000 for normal 
delivery
(unlimited if complications)
Dental Coverage RMB 5,000
Wellness Coverage RMB 5,000
Vision Coverage RMB 1,000

In-Patient Healthcare Benefits Overview
Insurance Benefit Citadel Platinum Plan
Hospital charges for:
nursing & accommodation		 100% Refund
Up to standard private room for accommodation
Day case treatment 100% Refund
Up to standard private room for accommodation
Prescribed medicines, drugs, and dressings 100% Refund
Surgeons’ and anesthetists’ fees 100% Refund
Surgical procedures 100% Refund
Specialist’s fees 100% Refund
Physiotherapy 100% Refund
Psychiatric care 100% Refund
 
Outpatient Healthcare Benefits Overview
Insurance Benefit Citadel Platinum Plan
Consultations with primary care physicians and 
specialists		 100% Refund
Prescribed medicines, drugs and dressings 100% Refund
Physiotherapy & traditional Chinese medicine 100% Refund
Psychiatric care RMB 10,000 per insurance period
 
Vision and Dental Benefits Overview
Insurance Benefit Citadel Platinum Plan
Vision: One eye examination per insurance period 100% Refund
Lenses to correct vision RMB 1,000 per insurance period
Dental: Benefit for preventative and restorative 
procedures		 RMB 5,000 per insurance period