Holders of Minsheng Bank Gold Card and Puka Card can apply for this service. After the application is approved, once the cardholder dies or is completely disabled due to unexpected circumstances, the debt in the credit card can be exempted. In fact, the cardholder's debt is not paid by the bank, but passed on to the insurance company. Cardholders who participate in the protection are equivalent to participating in a group accident insurance.
/kloc-People's livelihood credit card holders aged 0/8 ~ 70 can apply to become the insured, and the occupation category must be the first and second occupation specified by the insurance company, that is, the occupation with less risk, while the cardholders of high-risk occupations, such as airline attendants, postal couriers, telecommunications and electric power engineering facilities erection personnel, cannot become the insured.
The insurance period is one year. Customers who newly apply for Minsheng Gold Card and Puka Credit Card will be deemed to be willing to take out insurance as long as they check the "unexpected repayment-free service" in the value-added service column of the application form and sign for confirmation. The insurance period starts from 0: 00 June, 5438+05, the month following the credit card activation, and ends at 24: 00 the day before the corresponding date of the following year.
Cardholders who already hold gold cards and ordinary cards can apply at the card-using stage, and can voluntarily renew their insurance after the one-year guarantee expires. The insurance period starts at 0: 00 on the 5th day of 5438+05, the month following the receipt of the Agreement on Exemption of Unexpected Repayment signed by the customer at the Card Center, and ends at 24: 00 on the day before the corresponding day of the following year. The insurance premium is 20 yuan, and the cardholder will deduct it on the first billing day after activating the credit card or applying for services.
Once the cardholder who becomes the insured suffers an accidental injury, which directly leads to death or total disability within 180 days from the date of the accidental injury, he can get the insurance money of the insurance company, that is, all the debts in the credit card account, including the principal, interest, overdue fine and other accounts of the main card and the supplementary card. The insurance amount undertaken by an insurance company shall not exceed 1.5 times of the total credit limit of the cardholder's account of the gold card and supplementary card, and the maximum amount shall not exceed 65,438+10,000 yuan.
After the accident, the cardholder's family or himself should apply for insurance money according to the claim settlement process. According to the regulations, the insured himself or the beneficiary should call the customer service number of Minsheng Bank within 5 days from the date when he knows or should know the insurance accident, and the insurance company will verify the situation. After the insured provides relevant claims information, the insurance company will conduct claims review.
Extended data:
Moreover, all the credit card holders of Bank of Communications who have customized "credit guarantee" have become the insured of group personal accident insurance. During the guarantee period, in case of accidental death or disability, you can pay the balance owed under the main card and supplementary card of the customized service, but the maximum compensation amount does not exceed the credit limit.
In other words, if the cardholder has more than one Bank of Communications credit card, only the card with "credit guarantee" service can enjoy special repayment-free treatment. Different from Minsheng Bank's special repayment-free service, the insurance company will also pay the cardholder or his successor 2,000 yuan for the death or disability of solatium, but will not bear the interest and late payment fee in the bill.
The insurance period of each cardholder starts at 0: 00 the day after the successful customization of the "credit guarantee" service confirmed by the card center and ends at 24: 00 on the service expiration date; If the cardholder cancels the "credit guarantee" service in advance, the insurance period will end at 24: 00 on the cancellation date of the cardholder.
When the cardholder is in danger during the guarantee period, he needs to call the customer service phone of Bank of Communications to make a claim. After the card center examines the identity of the applicant, it sends the claim customer information form to the insurance company, and the insurance company then contacts the claim applicant to collect the claim information and make a claim. The latest application cannot be submitted two years after the accident.
Among the insurance money received by the beneficiary from the insurance company, the part exempted from credit card arrears will be directly transferred to the designated account of Pacific Credit Card Center of Bank of Communications to offset the relevant debts of the cardholder, and the beneficiary may not use it for other purposes; Solatium and disability appraisal fees (if any) will be transferred to the account designated by the beneficiary for the beneficiary to withdraw.
He Xun. Com- Cardholders can be exempted from credit card debt due to accidental death or disability.