There are many types of hospital medical insurance offered by China Merchants Bank’s credit card, among which Lekang’s worry-free refundable hospital medical insurance is the most popular. However, many policyholders do not understand its protection content. Let’s introduce it to you below. Is cashback insurance cost-effective? I just compiled relevant content, I hope it will be helpful to you: What is the difference between consumption-type insurance, savings-type insurance, and return-type insurance? Which one is better?

What is the coverage of China Merchants Bank’s credit card hospital medical insurance?

China Merchants Bank Credit Card Lekang worry-free repayment hospitalization medical insurance has many protection contents, which are mainly divided into two parts: main insurance and additional insurance.

1. Main insurance part

1. Accidental death insurance. If the insured dies due to an accident during the validity period of this contract, the insurance company will pay the death insurance benefit to the beneficiary of the death policy based on the insured amount at the time of death. Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country

2. Non-accidental death insurance. If the insured person dies due to reasons other than accidents, the insurance company will pay the beneficiary of the deceased policy all the insurance premiums paid under this contract and the attached "Cigna Merchants Plus Shunxin Carefree Long-term Hospitalization Allowance Medical Insurance" .

3. Maturity insurance. If the insured still survives on the expiration date of this contract, the insurance company will pay the maturity insurance premium to the beneficiary of the expired policy. ?

4. Exemption from insurance premiums. If the insured is diagnosed with a major disease stipulated in this contract by a specialist for the first time, the insurance company will waive the insurance premiums for the remaining periods of this contract after the insured is diagnosed with the major disease.

2. Additional insurance part

1. Daily hospitalization insurance. If the insured is hospitalized due to an accident, or the insured is hospitalized due to a covered disease stipulated in this contract, the insurance company will pay a daily hospitalization insurance premium of 0.1% of the basic insurance amount in this contract.

2. Daily hospitalization insurance for critical illness. If the insured is diagnosed with a major disease stipulated in this contract by a specialist for the first time and is hospitalized due to the major disease, the insurance company will pay 0.2% of the basic insurance amount of this contract as daily hospitalization insurance benefit for major disease

3. Intensive care daily hospitalization insurance. If the insured person is admitted to the intensive care unit due to an accident, the insurance company will pay 0.4% of the basic insurance amount of this contract as the daily intensive care hospitalization insurance benefit. ?

Through the above, you can understand that China Merchants Bank’s credit card hospital medical insurance has a lot of coverage, but for additional coverage, you can consider whether you need to purchase it according to your own needs.

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