As people’s awareness of insurance increases, purchasing insurance has become the mainstream of society. Currently, there are so many types of health insurance on the market that it is overwhelming. So which company's product is better? Let me introduce to you the most prominent health insurance currently on the market - Huizhong Hospital Fixed Benefit Medical Insurance of China Merchants Bank Credit Card Health Insurance.
Is China Merchants Bank’s credit card health and medical insurance really good?
Huizhong Hospital Fixed Benefit Medical Insurance is a consumer-oriented short-term insurance for those aged 0-60 years old. This insurance mainly protects the insured or beneficiary’s hospitalization medical expense reimbursement, etc., and pays premiums. You can choose annual payment or monthly payment, and the cost per day is between 10 and 200 yuan.
The advantages of this insurance are:
1. Multiple protection: fixed payment, covering all members of society regardless of whether there is social security and other protections;
2 . Regardless of hospitalization caused by accident or illness, this plan can reduce the economic losses caused by hospitalization and provide you with basic financial protection;
3. The premium is paid directly with a CITIC credit card, and the policy is delivered to your door. Peace of mind and convenience;
4. No insurance payment reward: When the policy expires, if the insured did not have any accidents requiring insurance payment in the previous policy year, the policy holder can receive the payment for the policy year. 25% of the total premium as a reward;
5. Highlight protection: highlight the protection function of insurance, especially hospitalization income compensation, so that your family can live a worry-free life;
6. Enjoy free repayment During the interest period, you can accumulate points and add value easily;
7. If hospitalization is required due to accidental injuries, you can get double benefits.
Let’s take a look at the advantages of this insurance through an example.
Mr. Ji is 33 years old this year. He is insured by China Merchants Bank’s Huizhong Hospital Fixed Benefit Medical Insurance, with a monthly payment of 80 yuan. If Mr. Ji does not have an insurance accident that requires the insurance company to pay insurance premiums during the current insurance year, he can still receive 25% of the total monthly premium when renewing the policy in the next year, that is, 80*12*25=140 yuan without insurance payment. The reward is equivalent to a monthly payment of 60 yuan. Moreover, Mr. Ji can obtain China Merchants Huizhong Hospital Fixed Benefit Medical Insurance - 100 yuan/day. Four months after successfully enrolling in Cigna Merchants' "Huizhong Hospitalization Fixed Benefit" medical insurance plan, Mr. Ji was unfortunately involved in a car accident and needed to be hospitalized for 30 days. Because of our insurance, Mr. A could receive daily hospitalization insurance benefits: 100 yuan/day × 2 × 30 days = 6,000 yuan. Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country
As you can see from the above, this insurance has many advantages and is worth buying.
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