How about the monthly accident insurance of 249 introduced by Bank of Communications credit card?
Not bad.
Bank of Communications is a large national bank, and its accident insurance is an insurance product with insurance companies. This insurance product has been filed by China Banking Regulatory Commission and China Insurance Regulatory Commission respectively, so it is safe. After the insurance contract is signed, it has the same legal protection as the insurance contract of the insurance company. The accident insurance of Bank of Communications is mainly for public transportation, including the value insurance of accidents by air. With low premium and high insurance coverage, it is a necessary insurance product for travelers.
I got a credit card from most banks. If someone dies, is there any accident insurance?
Yes. When issuing credit cards to ordinary customers, banks will handle an accident insurance for them. If the cardholder dies suddenly due to an accident, the principal and interest owed in his credit card will be paid by the insurance company first.
Is it credible for China Merchants Bank to return accident insurance with 1.4 times credit card
Yes.
China Merchants Bank Credit Card Accident Insurance is a cooperative insurance product between China Merchants Cigna Life Insurance and banks. 1.4 times the return of accident insurance is one of the business, as long as it meets the requirements, it can be returned as agreed.
China Merchants Bank's credit card accident insurance is actually an insurance product launched by China Merchants Cigna Insurance Company. China Merchants Cigna is a Sino-foreign joint venture life insurance company featuring health and medical insurance. The Chinese and foreign shareholders are China Merchants Bank Co., Ltd. and Cigna North America Life Insurance Company under the American Guoxin Group. Cigna Group and China Merchants Bank are among the top 5 companies in the world, and each shareholder holds 5% of the shares.
Is it true that China Bank's credit card recommended accident insurance?
China Bank Credit Card recommends accident insurance.
Insurance is real, but the cost performance is average. Ask the bank for details
This insurance is of course useful, and it will pay compensation in case of accidental death and disability.
The products mentioned by telemarketers on the phone usually have some pits:
1. Low coverage
The maximum coverage is 1 million, which generally refers to the coverage of aviation accident insurance. Because at present, airplanes have the lowest probability of accidents among all means of transportation. Therefore, the average aviation accident does not cost much, and it can have a coverage of 1 million and 2 million. Actually, other accidents may be tens of thousands or 1 thousand.
2. Total disability VS disability
Generally, this kind of products have low cost performance, and accidental disability only preserves disability. That is to say, it didn't meet the standard of total disability, but it was broken and didn't pay a dime.
3. Sudden death is generally excluded
4. The premium is high
Every month in 3 yuan, it is 3,6 yuan a year. Break it down into months, which makes you feel that it is not expensive.
So there is absolutely no need for such an insurance product to buy a return type, and it will probably cost something that 1 yuan can solve every year. Why should it spend 3 yuan every month?
speaking of return. Believe me, you put the extra money into the fund every year, even if you do it for five years, it will be much more than the 12% you will get 2 years later!
some of them recommend medical insurance or other products, which are basically the same-payment+refund. Give you a feeling that if you don't buy, you can't buy it. If you don't buy it, it's not worthwhile. If you buy it, it can be used as a financial management.
mode of payment
accidental injury insurance belongs to fixed payment insurance. When the insurance liability constitutes, the insurer pays death insurance or disability insurance according to the insurance amount agreed in the insurance contract.
the amount of death insurance money is stipulated in the insurance contract, and it is paid in full when the insured dies.
The amount of disability insurance money is determined by two factors: the insured amount and the degree of disability. The degree of disability is generally expressed as a percentage, and the formula for calculating the amount of disability insurance is: disability insurance = insurance amount × percentage of disability degree < P > In accidental injury insurance, the insurance amount is also the maximum amount of insurance money paid by the insurer, that is, the insurer pays death insurance money to each insured, and the accumulated disability insurance money shall not exceed the insured amount.
what is the specific protection for handling the accident insurance provided by Ping An Bank's credit card?
1. Accidental injury
The main protection responsibility of accident insurance is accidental injury. If the insured suffers accidental injury during the insurance period, resulting in death/disability, the insurance company will pay the corresponding accidental death/disability insurance money in one lump sum.
Generally, death pays 1% of the basic insurance amount, while the proportion of disability compensation depends on the disability level, as follows:
As you can see, disability I * * * is divided into ten levels, and insurance companies pay 1%-1% of the insurance amount for 1-1 levels of disability respectively.
2. Accidental medical care
Most accident insurance in the market will include the responsibility of accidental medical care, because the insured person is likely to need hospitalization for accidental injury.
however, accidental medical treatment can usually provide consumers with the same amount of insurance as small medical insurance to reimburse the medical expenses caused by accidental injury.
in addition to accidental injuries and accidental medical care, many accident insurances can also provide consumers with specific traffic accidents and sudden death protection, which is more comprehensive.
further reading: what scope does accident insurance cover?
so much for the introduction of credit card accident insurance.