People pay more and more attention to the risk of major diseases, and major insurance companies have launched critical illness insurance products in due course. Critical illness insurance, a credit card of China Merchants Bank, came into being in this situation, so how to buy it? Let's learn about it with this article. Which insurance company is stronger? I just sorted out the relevant contents, hoping to help you: the latest list! Top ten insurance companies in China

How to buy China Merchants Bank credit card in critical illness insurance?

China Merchants Bank Credit Card critical illness insurance also refers to critical illness insurance products launched by China Merchants Cigna Insurance Company. The so-called China Merchants Cigna is a joint venture between China Merchants Bank and Cigna Insurance Company of the United States, which owns a variety of critical illness insurance. Therefore, everyone should consider the following aspects when purchasing.

first, choose the appropriate insurance. China Merchants Bank Credit Card critical illness insurance is divided into two types: cancer insurance and major illness insurance. The former only covers cancer, while major diseases cover a variety of diseases. Therefore, cancer prevention insurance is more targeted and the premium is lower. The coverage of serious illness and critical illness insurance is wider, so the premium is much higher than that of cancer prevention insurance. It is suggested that everyone should consider their own security needs and economic ability when purchasing. What are some good recommendations for serious illness and critical illness insurance? I just sorted out the relevant contents, hoping to help you: inventory of the top ten insurance companies' "worth buying" serious illness and critical illness insurance!

Secondly, we should examine the types of diseases guaranteed. When purchasing serious illness and critical illness insurance, the most important thing is to check whether common cardiovascular, organic and middle-aged and senile diseases are included. With these three categories, the protection needs of general policyholders are basically met. If you buy anti-cancer insurance, you can tailor it for yourself. For example, women can consider buying Kang Aijia's anti-cancer insurance for women that covers breast cancer and other frequently-occurring female diseases.

thirdly, the insurance coverage should be appropriate. For ordinary families, it is more appropriate to buy the critical illness insurance of China Merchants Bank credit card between 1, yuan and 2, yuan. The protection function below 1, yuan is too weak, while the premium for ordinary families over 3, yuan is too high, so it is unnecessary. If the family's economic situation is good, the insurance amount can also be appropriately increased.

Finally, it is suggested that every three to five years, the insured can open their own insurance policies to check whether it is necessary to increase the insured amount and make some appropriate adjustments according to the changes of family members and economic conditions.