Being prepared for risks and accidents and planning early are necessary choices for modern people. China Merchants Bank Credit Card Enjoy Everyday Accident Insurance can provide multiple accident protections, but everyone should still pay attention to some misunderstandings when purchasing.
Be aware of misunderstandings when purchasing CMB Credit Card Lexiang Tiantian accidental injury insurance
1. There is a hesitation period for Lexiangtiantian accidental injury insurance
Although the insurance industry does have " The purpose of the “decision period” is to allow policyholders more time to consider whether the product they purchased is suitable for them. However, not all insurance products have a hesitation period. Generally, long-term personal insurance, such as pure life insurance and health insurance, have a hesitation period. However, accident insurance does not have a hesitation period. 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. Lexiang Tiantian accident insurance can bear all accident risks
Accident insurance is only responsible for accidents within the scope of liability on the policy, including: death and disability accidental injuries , accidental injuries from public transport vehicles, accidental injuries from major natural disasters, accidental injuries from aviation, etc. Everyone must read the insurance contract clearly when choosing. Moreover, this product is not responsible for high-risk activities such as horse racing, rock climbing, adventure rafting, diving, alpine skiing, skateboarding, bungee jumping, and surfing.
3. The premium of Lexiangtian accident insurance is related to age and has nothing to do with occupation
In fact, accident insurance is different from other life insurance products, and the standard for the proposed premium rate is not The higher the occupational risk, the higher the insurance premium will be based on the age of the insured but on the type of occupation. What are some good life insurance recommendations? I just compiled the relevant content. I hope it will be helpful to you: An inventory of the top ten insurance companies’ best-selling life insurance in 2020!
4. You can get full compensation if you buy accident insurance from different insurance companies
If the policyholder purchases Lexiang Tiantian accident insurance and then purchases it from other insurance companies If you have accident insurance, you can apply for compensation from multiple insurance companies after an accident. However, only the death and disability insurance benefits can be claimed repeatedly, and accidental medical expenses cannot be claimed from two insurance companies. 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
There are many misunderstandings about purchasing accidental injury insurance with China Merchants Bank Credit Card Enjoy Everyday, so I won’t go into them one by one here. This article is mainly to remind everyone that they must understand the basic knowledge of accident insurance and read the terms of the insurance contract clearly, so that they can buy the right product.