How about the China Merchants Credit Card Security and Exclusive Edition?

The China Merchants Credit Card Security and Exclusive Edition is pretty good.

China Merchants Bank Credit Card: "Card Security" Exclusive Edition

Charging standard: 30 yuan/quarter

Service content: SMS reminder for each transaction; report loss Fee reduction, 60 yuan/card, 2 cards can be waived per month; cash advance fee reduction, 1 transaction/month, with a maximum reduction of 10 yuan for a single transaction; comes with 500,000 fraud protection, any bank within 72 hours before reporting loss All transaction types; Comes with five major certificate loss protections, 200 yuan/time, up to 5 times a year; Comes with health services, including critical illness green pass service and telephone doctor service.

How to cancel China Merchants Bank’s credit card insurance

1. There are two situations for surrendering the insurance

The first is to directly call the customer service hotline to cancel the insurance before the payment is deducted. Second, the payment has been deducted. At this time, you need to contact the credit card and insurance company to sign a written surrender agreement. In order to avoid the trouble caused by surrender of insurance, consumers should consider carefully before purchasing insurance.

2. Cancellation method

1. Cancel the policy directly by phone. If you just want to cancel the policy after you have just purchased the policy, you can call the customer service hotline to cancel the policy at this time, because the insurance company No payment has been made yet, so it’s easy to compare prices.

2. It is more troublesome to cancel the policy after you have purchased it for a period of time.

① Contact the credit card center and the insurance company after deducting the premium; ② The entire process from receiving the call to deducting the payment, and said that the characteristics of the product described on the phone were not in line with his expectations. , requesting a refund of the deducted premium; ③ The received insurance policy and a few hundred-word explanation of the situation are sent to the credit card center and the insurance company respectively.

3. Online surrender

Some insurance products purchased through China Merchants Bank’s self-service channels can be surrendered by logging into online banking or mobile banking: 1. Public version/professional version path: Click "Investment Management"-"Insurance"-"Bank Insurance"-"Policy Inquiry" and follow the prompts; 2. Mobile banking path: Click "My"-"All-in-one Card"-"Investment Management"-"Insurance"-" "Policy Inquiry" and follow the prompts. Mobile phone and APP models: Alipay, Apple 12, ios14, Alipay version 10.2.3

WeChat, Apple 12, ios14, WeChat version 8.0.13

JD Finance, Apple 12, ios14 , JD Finance version 6.1.10

Browser, computer: macbookpromos14 Open Google version 92.0.4515.131 If you purchased insurance with a card at a China Merchants Bank branch, you can contact the handling bank or insurance company to inquire about surrender matters. For insurance purchased with a China Merchants Bank credit card, you can contact the credit card center to inquire about how to cancel the policy.

In order to avoid the trouble caused by surrender, consumers should consider carefully before purchasing insurance. Today is a legal society, and many things closely related to life are inseparable from the law, so we should have some understanding of some common legal knowledge. The existence of law can help us better deal with some things around us.

How to buy China Merchants Bank credit card insurance in 2020 in a cost-effective way?

China Merchants Credit Card Insurance has attracted much attention in the insurance market. Let’s introduce how to buy credit card insurance from China Merchants Bank to get a good deal.

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 the latest list! Inventory of 18 best-selling high-quality accident insurances across the country

3. Buying online 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., the products purchased through these purchasing methods are all the same, but it will be much more convenient to purchase through the Internet. Online purchasing can complete the entire insurance process without going out, and it also saves everyone’s time, so from time In terms of cost, buying online is more cost-effective.

The above is my answer to how to buy credit card insurance from China Merchants Bank in a cost-effective way. I hope it will be helpful to you.

If you have any other insurance questions, please come to: Protect more fish and talk about insurance! ,

That’s it for the introduction of China Merchants Credit Card Insurance.