Should I get a early cancer term insurance plan with Citibank or AIA?

Assuming the policies offer the same coverage for the same premium, always get from an insurance company. This is becos there will be someone servicing you if you get from insurance company, but not from the bank.

Of course there is likelihood that your insurance agent is irresponsible or he/she may leave the company, but at least you still get higher chance of being serviced after purchaing the plan.

Since you have chronic kidney disease and was denied life insurance, despite the non-medical checkup of the early cancer term insurance plan with AIA, most likely they won't payout in the event of an early cancer because it is considered as pre-existing condition. It will be stated in the policy document of the AIA plan that pre-existing condition will not be covered.

I would choose to get that from insurance company instead of getting from bank.