Insurance is fine, you can trust it. This is the result of the mixed operation of bank credit cards at present. You agree to buy insurance on the phone, and he can operate it directly from the system and deduct the corresponding funds from the card. If the customer says that the insurance contract clearly states that it will be returned in full when due, then there is no problem.

Attention, it must be the regular customer phone number of the bank. Now someone is cheating with the bank's customer service. Every bank's credit card customer service is fixed, I can see it.