As people’s insurance awareness deepens, more and more people choose to purchase insurance to provide themselves with protection. Recently, many people have asked about the most cost-effective way to purchase China Merchants Bank credit card insurance. I will answer this for everyone through this article.
This is the most cost-effective way to buy China Merchants Bank credit card insurance
In fact, China Merchants Bank credit card insurance is an insurance product cooperated by China Merchants Cigna Life Insurance Company and banks, including: accident insurance, health insurance, and pension insurance Insurance, critical illness insurance, etc., there are many types of products, so it is impossible to generally say whether the products they launch are cost-effective. In order to buy a product that is cost-effective and suitable for you, it is important to master the following insurance tips. As for how China Life is, I just compiled the relevant content. I hope it will be helpful to you: Is China Life good? What insurance is recommended?
1. The earlier you buy, the more cost-effective
The premium rate of insurance products will increase as the age of the insured increases. With the same insurance amount, the difference in premium rates between those insured at age 40 and those insured at age 20 may be 30%. Especially for the elderly, the premiums for purchasing insurance products are generally higher, and the premiums may even be greater than the insured amount. Therefore, you must plan early when purchasing insurance products.
2. Choose appropriate additional insurance to improve cost-effectiveness
Most insurance products are launched in the form of main insurance combined with additional insurance, such as Cigna One-Year Insurance The main insurance of comprehensive accident insurance is accidental death or disability protection, and the additional insurance is accidental medical protection, hospitalization allowance protection, public transportation accident protection, private car accidental injury protection, etc. Everyone can choose the appropriate additional insurance to purchase according to their actual situation to supplement the missing parts of their own protection. Moreover, additional insurance is generally a consumer product, and the cost itself is relatively low. In addition, it saves on sales links, so the cost will be cheaper. 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!
3. Online purchasing is more cost-effective
China Merchants Cigna Insurance Company has launched a variety of purchasing channels for consumers to choose from, including: telephone, counter, official website, etc. These purchasing methods are all The products purchased are all the same, but it is much more convenient to purchase them through the Internet. Online purchasing allows you to complete the entire insurance process without going out, which also saves everyone’s time. Therefore, in terms of time and cost, online purchasing is more cost-effective. . 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
So, only by using reasonable techniques to purchase China Merchants Bank credit card insurance products can you purchase cost-effective and suitable products.
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