How to buy credit card hospitalization insurance in China Merchants Bank?
At present, there are many credit card hospitalization medical insurance products on the market. Parents can consider the following aspects when purchasing:
1. It must have the warranty update function.
Hospitalization medical insurance is generally one year, that is, the insurance period is one year, and it needs to be re-insured after the end of one year, which is called renewal insurance in industry terminology. For example, Lexiang Daily Accident Insurance, Xinfu Worry-free One-year Accident Insurance and Lexiang Worry-free One-year Accident Insurance can all guarantee renewal.
No matter whether the insured claims or not, the insurance company will not ask for additional premium when renewing insurance next year, nor will it rule out illness or even refuse insurance.
2. It is best to pay in a fixed amount. The so-called "fixed payment type" is relative to the expense type. The basis of expense insurance compensation is invoice. The compensation amount can only be lower than the actual cost. Fixed payment means paying according to the insurance amount agreed in advance, no matter how much it actually costs. Therefore, the insurance company's claim amount may be higher than the actual expenditure or it may be the actual expenditure. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
3. It is best to cover the main risks.
If the hospitalization insurance purchased is an additional insurance, it will often cost a lot of money to buy an extra "main insurance", resulting in redundant premium expenses. It is also possible that the main insurance expires or other reasons lead to the failure of the main insurance, and the protection of additional insurance will not fail at that time.
It is best to prevent accidents and diseases.
In China Merchants Bank's credit card hospitalization medical insurance, some only bear the responsibility of insurance compensation for accidental injury leading to hospitalization, some only bear the responsibility of insurance compensation for illness leading to hospitalization, and some both bear the responsibility of insurance compensation. Therefore, everyone must read the insurance clauses carefully when purchasing, and it is best that both accidental hospitalization and illness hospitalization are guaranteed.
Finally, I need to remind you that when purchasing the credit card hospitalization medical insurance of China Merchants Bank, you must be sure whether you need to provide the original invoice of the hospital when you make a claim. The best choice is insurance products without invoices, especially those who already have social medical insurance or medical insurance from other insurance companies.