When buying protection insurance, many people like to choose some accident insurance and critical illness insurance. They often overlook one of the most critical hospitalization insurance, because there is a high chance of hospitalization when people are sick, especially if there are children at home. Yes, it is common for children to be sick and hospitalized due to their weak health, so it is necessary to buy hospitalization insurance when purchasing insurance. What are some good critical illness insurance recommendations? I have just compiled the relevant content. I hope it will be helpful to you: an inventory of popular critical illness insurance “worth buying” from the top ten insurance companies!

Chinese Merchants Bank Credit Card Huizhong Five-Year Hospitalization Insurance Case

Ms. Han is a middle-level manager of a foreign company with a relatively good income. She usually likes to buy some insurance investment and financial management products, but she rarely buys protection insurance. She believes that she is young and pays attention to exercise, so she will not have any serious illness. But once she accompanied her friend to China Merchants Cigna Insurance Company to handle matters, and saw that their newly launched CMB Credit Card Huizhong five-year hospitalization insurance was good. After listening to the detailed introduction by the insurance staff, it was indeed very suitable for her, so She chose to purchase China Merchants Bank Credit Card Lekang’s worry-free rebate hospitalization medical insurance. 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

It is because Ms. Han bought this five-year hospital insurance with China Merchants Bank credit card Huizhong that she was hospitalized for 2 weeks during an operation for a benign tumor in August this year. She was able to get a partial reimbursement, and she quickly reported the case to the insurance company and applied for a claim. The insurance company soon completed the review and settled the claim.

Ms. Han made the right choice to purchase an insurance in advance, which enabled her to be protected. Let’s also take a look at the five-year hospitalization insurance of China Merchants Bank Credit Card Huizhong. This insurance has the following advantages :

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.

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.

Finally, a warm reminder to everyone, buy an insurance for yourself in advance to give yourself more protection, and at the same time, you are responsible for your family.

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