diff --git a/clients/banking/src/components/CardItemPhysicalDetails.tsx b/clients/banking/src/components/CardItemPhysicalDetails.tsx
index 045b32c0d..c14ad9ca7 100644
--- a/clients/banking/src/components/CardItemPhysicalDetails.tsx
+++ b/clients/banking/src/components/CardItemPhysicalDetails.tsx
@@ -529,6 +529,7 @@ export const CardItemPhysicalDetails = ({
   const textColor = hasBindingUserError ? colors.gray[300] : colors.gray[800];
   const previousCard = card.physicalCard?.previousPhysicalCards[0];
   const [currentCard, setCurrentCard] = useState<"previous" | "renewed">("renewed");
+  const cardHolderType = card.accountMembership.account?.holder.info.type;
 
   return (
     <ResponsiveContainer breakpoint={breakpoints.medium} style={styles.root}>
@@ -1587,34 +1588,35 @@ export const CardItemPhysicalDetails = ({
           </View>
           <Space height={12} />
 
-          {match(card.insuranceSubscription)
-            .with(P.nonNullable, ({ package: { level } }) => (
-              <Box alignItems="center" justifyContent="center" direction="row">
-                <BorderedIcon
-                  name="shield-checkmark-regular"
-                  padding={4}
-                  size={24}
-                  color="current"
-                  borderRadius={4}
-                />
-                <Space width={8} />
-
-                {match(level)
-                  .with("Basic", () => (
-                    <LakeText>{t("cardDetail.insurance.description.basic")}</LakeText>
-                  ))
-                  .with("Essential", () => (
-                    <LakeText>{t("cardDetail.insurance.description.essential")}</LakeText>
-                  ))
-                  .with("Premium", () => (
-                    <LakeText variant="smallRegular">
-                      {t("cardDetail.insurance.description.premium")}
-                    </LakeText>
-                  ))
-                  .otherwise(() => null)}
-              </Box>
-            ))
-            .otherwise(() => null)}
+          {cardHolderType === "Company" &&
+            match(card.insuranceSubscription)
+              .with(P.nonNullable, ({ package: { level } }) => (
+                <Box alignItems="center" justifyContent="center" direction="row">
+                  <BorderedIcon
+                    name="shield-checkmark-regular"
+                    padding={4}
+                    size={24}
+                    color="current"
+                    borderRadius={4}
+                  />
+                  <Space width={8} />
+
+                  {match(level)
+                    .with("Basic", () => (
+                      <LakeText>{t("cardDetail.insurance.description.basic")}</LakeText>
+                    ))
+                    .with("Essential", () => (
+                      <LakeText>{t("cardDetail.insurance.description.essential")}</LakeText>
+                    ))
+                    .with("Premium", () => (
+                      <LakeText variant="smallRegular">
+                        {t("cardDetail.insurance.description.premium")}
+                      </LakeText>
+                    ))
+                    .otherwise(() => null)}
+                </Box>
+              ))
+              .otherwise(() => null)}
 
           <CardItemPhysicalDeliveryWizard
             isCurrentUserCardOwner={isCurrentUserCardOwner}
diff --git a/clients/banking/src/components/CardItemSettings.tsx b/clients/banking/src/components/CardItemSettings.tsx
index 225127d67..cdbe0400e 100644
--- a/clients/banking/src/components/CardItemSettings.tsx
+++ b/clients/banking/src/components/CardItemSettings.tsx
@@ -46,6 +46,7 @@ export const CardItemSettings = ({ cardId, accountMembershipId, card }: Props) =
   const accountHolder = card.accountMembership.account?.holder;
   const settingsRef = useRef<CardWizardSettingsRef>(null);
   const cardInsurance = card.insuranceSubscription;
+  const cardHolderType = card.accountMembership.account?.holder.info.type;
 
   const { canUpdateCard } = usePermissions();
 
@@ -104,7 +105,7 @@ export const CardItemSettings = ({ cardId, accountMembershipId, card }: Props) =
 
   return (
     <ResponsiveContainer breakpoint={breakpoints.medium}>
-      {({ small }) => (
+      {({ small, large }) => (
         <>
           {card.accountMembership.canManageCards ? null : (
             <>
@@ -134,68 +135,74 @@ export const CardItemSettings = ({ cardId, accountMembershipId, card }: Props) =
 
           <Space height={24} />
 
-          <Box direction={small ? "column" : "row"}>
+          <Box direction={large && cardHolderType === "Company" ? "row" : "column"}>
             <Box style={small ? undefined : styles.box}>
-              {cardInsurance != null && cardInsurance.package.noticeUrl != null && (
-                <>
-                  <Box direction="row" alignItems="center">
-                    <Icon name="shield-checkmark-regular" size={16} color={colors.gray[500]} />
-                    <Space width={8} />
-
-                    <LakeText align="center" variant="smallSemibold">
-                      {match(cardInsurance.package)
-                        .with({ level: "Basic" }, () =>
-                          t("cardDetail.insurance.description.premium"),
-                        )
-                        .with({ level: "Essential" }, () =>
-                          t("cardDetail.insurance.description.essential"),
-                        )
-                        .with({ level: "Premium" }, () =>
-                          t("cardDetail.insurance.description.premium"),
-                        )
-                        .otherwise(() => null)}
-                    </LakeText>
-                  </Box>
-                  <Space height={8} />
-
-                  <LakeText variant="smallRegular">
-                    <Link style={styles.link} to={cardInsurance.package.noticeUrl} target="blank">
-                      <Box direction="row" alignItems="center">
-                        <LakeText color={colors.current.primary} variant="smallRegular">
-                          {t("cardDetail.insurance.link")}
-                        </LakeText>
+              {cardInsurance != null &&
+                cardInsurance.package.noticeUrl != null &&
+                cardHolderType === "Company" && (
+                  <>
+                    <Box direction="row" alignItems="center">
+                      <Icon name="shield-checkmark-regular" size={16} color={colors.gray[500]} />
+                      <Space width={8} />
 
-                        <Space width={4} />
-                        <Icon color={colors.current.primary} name="open-filled" size={16} />
-                      </Box>
-                    </Link>
-                  </LakeText>
+                      <LakeText align="center" variant="smallSemibold">
+                        {match(cardInsurance.package)
+                          .with({ level: "Basic" }, () =>
+                            t("cardDetail.insurance.description.premium"),
+                          )
+                          .with({ level: "Essential" }, () =>
+                            t("cardDetail.insurance.description.essential"),
+                          )
+                          .with({ level: "Premium" }, () =>
+                            t("cardDetail.insurance.description.premium"),
+                          )
+                          .otherwise(() => null)}
+                      </LakeText>
+                    </Box>
+                    <Space height={8} />
 
-                  <Space height={8} />
-                  <Box direction="row" alignItems="center">
                     <LakeText variant="smallRegular">
-                      {formatNestedMessage("cardDetail.insurance.claim", {
-                        link: text => (
-                          <>
-                            <Link style={styles.link} to={cardInsurance.claimsUrl} target="blank">
-                              <Box direction="row" alignItems="center">
-                                <LakeText color={colors.current.primary} variant="smallRegular">
-                                  {text}
-                                </LakeText>
+                      <Link style={styles.link} to={cardInsurance.package.noticeUrl} target="blank">
+                        <Box direction="row" alignItems="center">
+                          <LakeText color={colors.current.primary} variant="smallRegular">
+                            {t("cardDetail.insurance.link")}
+                          </LakeText>
 
-                                <Space width={4} />
-                                <Icon color={colors.current.primary} name="open-filled" size={16} />
-                              </Box>
-                            </Link>
-                          </>
-                        ),
-                      })}
+                          <Space width={4} />
+                          <Icon color={colors.current.primary} name="open-filled" size={16} />
+                        </Box>
+                      </Link>
                     </LakeText>
-                  </Box>
 
-                  <Space height={24} />
-                </>
-              )}
+                    <Space height={8} />
+                    <Box direction="row" alignItems="center">
+                      <LakeText variant="smallRegular">
+                        {formatNestedMessage("cardDetail.insurance.claim", {
+                          link: text => (
+                            <>
+                              <Link style={styles.link} to={cardInsurance.claimsUrl} target="blank">
+                                <Box direction="row" alignItems="center">
+                                  <LakeText color={colors.current.primary} variant="smallRegular">
+                                    {text}
+                                  </LakeText>
+
+                                  <Space width={4} />
+                                  <Icon
+                                    color={colors.current.primary}
+                                    name="open-filled"
+                                    size={16}
+                                  />
+                                </Box>
+                              </Link>
+                            </>
+                          ),
+                        })}
+                      </LakeText>
+                    </Box>
+
+                    <Space height={24} />
+                  </>
+                )}
             </Box>
 
             <Box style={small ? undefined : styles.box}>
diff --git a/clients/banking/src/components/CardItemVirtualDetails.tsx b/clients/banking/src/components/CardItemVirtualDetails.tsx
index 77d66db8e..8fe7bf134 100644
--- a/clients/banking/src/components/CardItemVirtualDetails.tsx
+++ b/clients/banking/src/components/CardItemVirtualDetails.tsx
@@ -91,6 +91,7 @@ export const CardItemVirtualDetails = ({
   };
 
   const textColor = hasBindingUserError ? colors.gray[300] : colors.gray[800];
+  const cardHolderType = card.accountMembership.account?.holder.info.type;
 
   return (
     <View style={styles.container}>
@@ -262,34 +263,35 @@ export const CardItemVirtualDetails = ({
 
         <Space height={24} />
 
-        {match(card.insuranceSubscription)
-          .with(P.nonNullable, ({ package: { level } }) => (
-            <Box alignItems="center" justifyContent="center" direction="row">
-              <BorderedIcon
-                name="shield-checkmark-regular"
-                padding={4}
-                size={24}
-                color="current"
-                borderRadius={4}
-              />
-              <Space width={8} />
+        {cardHolderType === "Company" &&
+          match(card.insuranceSubscription)
+            .with(P.nonNullable, ({ package: { level } }) => (
+              <Box alignItems="center" justifyContent="center" direction="row">
+                <BorderedIcon
+                  name="shield-checkmark-regular"
+                  padding={4}
+                  size={24}
+                  color="current"
+                  borderRadius={4}
+                />
+                <Space width={8} />
 
-              {match(level)
-                .with("Basic", () => (
-                  <LakeText>{t("cardDetail.insurance.description.basic")}</LakeText>
-                ))
-                .with("Essential", () => (
-                  <LakeText>{t("cardDetail.insurance.description.essential")}</LakeText>
-                ))
-                .with("Premium", () => (
-                  <LakeText variant="smallRegular">
-                    {t("cardDetail.insurance.description.premium")}
-                  </LakeText>
-                ))
-                .otherwise(() => null)}
-            </Box>
-          ))
-          .otherwise(() => null)}
+                {match(level)
+                  .with("Basic", () => (
+                    <LakeText>{t("cardDetail.insurance.description.basic")}</LakeText>
+                  ))
+                  .with("Essential", () => (
+                    <LakeText>{t("cardDetail.insurance.description.essential")}</LakeText>
+                  ))
+                  .with("Premium", () => (
+                    <LakeText variant="smallRegular">
+                      {t("cardDetail.insurance.description.premium")}
+                    </LakeText>
+                  ))
+                  .otherwise(() => null)}
+              </Box>
+            ))
+            .otherwise(() => null)}
       </View>
     </View>
   );
diff --git a/clients/banking/src/components/CardListCells.tsx b/clients/banking/src/components/CardListCells.tsx
index 299d089f4..6282797fa 100644
--- a/clients/banking/src/components/CardListCells.tsx
+++ b/clients/banking/src/components/CardListCells.tsx
@@ -83,6 +83,7 @@ const cardChip = Lazy(() => (
 
 export const FullNameAndCardTypeCell = ({ card }: { card: Card }) => {
   const spendingLimits = card.spendingLimits ?? [];
+  const cardHolderType = card.accountMembership.account?.holder.info.type;
 
   return (
     <Cell>
@@ -128,7 +129,7 @@ export const FullNameAndCardTypeCell = ({ card }: { card: Card }) => {
                   {t("cards.format.virtual")}
                 </Tag>
 
-                {isNotNullish(insuranceSubscription) && (
+                {isNotNullish(insuranceSubscription) && cardHolderType === "Company" && (
                   <>
                     <Space width={12} />
                     <Tag color="gray" icon="shield-checkmark-regular">
@@ -171,7 +172,7 @@ export const FullNameAndCardTypeCell = ({ card }: { card: Card }) => {
                   </>
                 </Tag>
 
-                {isNotNullish(insuranceSubscription) && (
+                {isNotNullish(insuranceSubscription) && cardHolderType === "Company" && (
                   <>
                     <Space width={12} />
                     <Tag color="gray" icon="shield-checkmark-regular">
@@ -273,6 +274,7 @@ export const CardStatusCell = ({ card }: { card: Card }) => {
 
 export const CardSummaryCell = ({ card }: { card: Card }) => {
   const spendingLimits = card.spendingLimits ?? [];
+  const cardHolderType = card.accountMembership.account?.holder.info.type;
 
   return (
     <Cell direction="column">
@@ -314,7 +316,7 @@ export const CardSummaryCell = ({ card }: { card: Card }) => {
                 ariaLabel={t("cards.format.virtual")}
               />
 
-              {isNotNullish(insuranceSubscription) && (
+              {isNotNullish(insuranceSubscription) && cardHolderType === "Company" && (
                 <>
                   <Space width={8} />
 
@@ -354,7 +356,7 @@ export const CardSummaryCell = ({ card }: { card: Card }) => {
                   .otherwise(() => undefined)}
               </Tag>
 
-              {isNotNullish(insuranceSubscription) && (
+              {isNotNullish(insuranceSubscription) && cardHolderType === "Company" && (
                 <>
                   <Space width={8} />
 
diff --git a/clients/banking/src/components/CardWizard.tsx b/clients/banking/src/components/CardWizard.tsx
index f5a671044..16a2c86fa 100644
--- a/clients/banking/src/components/CardWizard.tsx
+++ b/clients/banking/src/components/CardWizard.tsx
@@ -557,12 +557,7 @@ export const CardWizard = ({
                     {match(step)
                       .with({ name: "CardProductType" }, ({ cardProduct }) => (
                         <CardWizardProduct
-                          accountHolderType={
-                            data?.accountMembership?.account?.holder.info.__typename ===
-                            "AccountHolderCompanyInfo"
-                              ? "Company"
-                              : "Individual"
-                          }
+                          accountHolderType={data?.accountMembership?.accountHolderType}
                           ref={cardWizardProductRef}
                           cardProducts={cardProducts}
                           initialCardProduct={cardProduct}
diff --git a/clients/banking/src/components/CardWizardProduct.tsx b/clients/banking/src/components/CardWizardProduct.tsx
index 6316b6cba..693797ff8 100644
--- a/clients/banking/src/components/CardWizardProduct.tsx
+++ b/clients/banking/src/components/CardWizardProduct.tsx
@@ -115,7 +115,7 @@ export type CardWizardProductRef = {
 
 type Props = {
   ref?: Ref<CardWizardProductRef>;
-  accountHolderType: AccountHolderType;
+  accountHolderType: AccountHolderType | undefined;
   cardProducts: NonNullable<GetCardProductsQuery["projectInfo"]["cardProducts"]>;
   initialCardProduct?: CardProduct;
   onSubmit: (cardProduct: CardProduct) => void;
@@ -408,12 +408,12 @@ export const CardWizardProduct = ({
                       ),
                     }),
                   )
-                  .exhaustive()}
+                  .otherwise(() => null)}
               </LakeText>
 
               <Space height={8} />
 
-              {defaultInsurancePackage != null && (
+              {defaultInsurancePackage != null && accountHolderType === "Company" && (
                 <Box direction="row" alignItems="center" justifyContent="center">
                   <Icon name="shield-checkmark-regular" size={16} color={colors.gray[500]} />
                   <Space width={8} />
diff --git a/clients/banking/src/graphql/partner.gql b/clients/banking/src/graphql/partner.gql
index f44d98224..33a072d50 100644
--- a/clients/banking/src/graphql/partner.gql
+++ b/clients/banking/src/graphql/partner.gql
@@ -817,6 +817,7 @@ fragment CardListItem on Card {
         id
         info {
           name
+          type
         }
       }
     }
@@ -1887,6 +1888,7 @@ query GetCardProducts(
   }
   accountMembership(id: $accountMembershipId) {
     id
+    accountHolderType
     account {
       id
       holder {