Although people's lives are stable now, accident risks exist all the time. It is always good to have more accident protection. Now major insurance companies have launched accident insurance, such as China Merchants Bank credit card accident insurance. There are many to suit the needs of all types of people. But for many people who are buying insurance for the first time, how to buy it is the biggest problem they face. Let me tell you below. 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
How to buy CMB credit card accident insurance
If you want to buy a suitable product, you must first understand the characteristics of CMB credit card accident insurance:?
1. Xinyun Wuyou Second Generation Accident Insurance: This is a refundable accident insurance with a protection period of 20 years. The coverage covers three types of transportation: water, land and air. The insured person will suffer any consequences during the transportation period. Cover for accidental death or disability. What kind of accident insurance includes accidental medical care? Which one offers more protection? Which one is more worth buying? Let’s take a look at some good accident insurance recommendations? The top 20 best-selling premium accident insurance products in 2020!
2. One-year comprehensive accident insurance: It is a general accident insurance valid for one year. The main insurance liability is accidental injury medical treatment, disability and death valid 24 hours a day.
3. Public transportation accident insurance is a highly targeted accident insurance. The coverage period can be customized, ranging from 7 days to one year. The main insurance liability is during the period of transportation. Accidental injury, disability, and death protection;
How to buy it? Then it is carried out based on the above characteristics. First, different groups of people choose different types of insurance. For business people who travel for long periods of time, public transportation accident insurance is essential. However, because the frequency of transportation is too high, you can purchase Xinyun worry-free second-generation accident insurance or one-year comprehensive accident insurance. The specific choice should be considered based on financial strength and personal protection needs. If you want high protection, you can choose Xinyun Wuyou Second Generation Accident Insurance. For people who occasionally travel for business, bus traffic accident insurance is perfect. Not only is it highly targeted, but its coverage period can be freely determined according to the itinerary. As for how PICC insurance is, I just compiled the relevant content. I hope it will be helpful to you: Is PICC good? What insurance is recommended?
Secondly, the amount of insurance must be appropriate. When adults purchase this type of insurance, the coverage amount should be sufficient, preferably 80% of the insured's total income for 5 to 7 years, because once the insured loses the ability to maintain his original life in an accident, this insurance amount will It's quite practical. But if you are buying it for your children, the insurance amount should not be too high, ranging from 50,000 to 100,000 yuan. Because according to the regulations of the China Insurance Regulatory Commission, the maximum compensation for the accidental death of a minor is 100,000 yuan, and the insurance company will not pay additional compensation for the excess.
Finally, the purchasing method must be correct. Among all purchasing methods, online purchasing is the most convenient and quickest, and you can also get discounts on premiums. After the policy holder completes filling in the insurance information and paying online, the insurance company will issue an electronic insurance certificate and send it to the customer via email or text message, and the insurance will take effect.
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