Insurance is reliable, but you should buy it according to your own needs. You need to pay attention to the following points before applying for insurance:

1. Credit card credit guarantee insurance means that the insurance company uses the bank's credit card department as the policy holder and the insured, and will not be liable for any damage caused to the bank's credit card department due to the cardholder or other reasons. A type of insurance that compensates for irrecoverable economic losses.

2. Credit card accident liability insurance means that the insurance company takes the cardholder as the insured and will cover the loss or damage caused by the credit card being used fraudulently by others before the effective date for reporting the loss specified by the credit card department. A type of insurance that compensates for economic losses that should have been borne by the cardholder. If you are worried about risks such as theft when using a China Merchants Bank credit card, you can pass on this financial risk by purchasing a suitable insurance in advance. China Merchants Cigna has insurance products that provide protection for the safety of personal account property. You may wish to come here for a comprehensive comparison. Shop.

Claims Process

1. Report the case. Customers are requested to report the case promptly through the following methods after becoming aware of the insurance accident:

①Telephone report: Customers can call the company’s national customer service hotline to report the case;

②Fax report: Customers can also report the case by fax: Report the case to the company's national customer service fax hotline 400-888-8299;

③ Door-to-door report: Customers can also report the case in person to each branch; In order to ensure that customers can successfully obtain compensation for future claims, please report the case at your doorstep when reporting the case. Provide the following information to China Merchants Bank.

This information should be true and specific, as follows:

①Policy number;

②Name of the insured and ID number;

③Name and contact number of the person reporting the incident;

④Basic information about the insured accident (such as the time, place, course of the accident, injuries, treatment results, hospitalization time, diagnosis, examinations and operations, etc.);

⑤Other matters that customers need to explain.

2. Claims inquiry. If the customer has opened the "online service", the customer can log in to check the latest claims status, or the customer can call the CMB national customer service hotline 400-888-8288 for claims-related inquiries. The customer service representatives of China Merchants Bank will serve the customer wholeheartedly. . After receiving the customer's claim information, China Merchants Bank will register it immediately and send a mobile phone text message to the customer to confirm that it has been received;

3. Claim settlement progress. Claim investigation and verification: For claims with complete information, clear responsibilities and no need for investigation and verification, China Merchants Bank will complete the review within 5 working days; if China Merchants Bank finds that the customer’s claim information is incomplete and needs to be completed during the claim review process, China Merchants Bank will The customer will be notified in one go via mobile phone text message to pay the claim as soon as possible; if the customer's claim application requires investigation and verification, China Merchants Bank will inform the customer via mobile phone text message and re-estimate the time required for the review. Sending back the claim information: Regardless of whether the claim is paid or not, China Merchants Bank will send the "Notification of Claim Result" and the original claim information of the customer to the mailing address designated by the customer by express delivery. If the customer's claim application is approved for compensation, China Merchants Bank will remit the insurance money to the customer's designated bank account within 5 working days. In order to make the customer's claim payment smooth, please provide the insured/beneficiary's personal account number and the detailed name of the account opening bank (specifically the branch).