The development of credit cards has extended to all aspects of our lives, and there is nothing that credit cards can't buy. Credit card insurance of China Merchants Bank is a special insurance service launched by China Merchants Bank, which combines insurance with credit card.
how much is China Merchants Bank's credit card insurance?
It is understood that there are many types of credit card insurance in China Merchants Bank, depending on whether the insured buys protection or wealth management. Is it to buy low premium and high security for consumption? Is it to buy protection insurance with saving function? The specific price of different products will be different. Generally speaking, the premium of guaranteed products is lower than that of wealth management products, and the premium of consumer products is lower than that of savings products. Is savings insurance good or not? I just sorted out the relevant contents, hoping to help you: What's the difference between consumer insurance, savings insurance and return insurance? Which is better?
if you choose a product with high insurance coverage and long payment time, the premium paid in ten or twenty years will range from tens of thousands to hundreds of thousands of millions. But if you choose consumer products, then the annual premium is only tens or hundreds of yuan. Therefore, the specific amount of credit card insurance of China Merchants Bank is uncertain. Instead of caring about the price, we should know how to buy it and buy cost-effective products at the lowest price.
how to purchase CMB credit card insurance?
first, choose the right channel to buy. At present, there are many kinds of sales channels: telemarketing, bank insurance, network, insurance agents, insurance brokers and so on. I suggest that you can buy through the internet, which is not only convenient to buy, but also very cheap because of the omission of the agent link. Credit card insurance of China Merchants Bank can be purchased at China Merchants Cigna official website, an insurance company jointly invested by China Merchants Bank and American Cigna Insurance Company, which is very reliable in terms of strength background and compensation ability. Which insurance company is stronger? I just sorted out the relevant contents, hoping to help you: the latest list! The top ten insurance companies in China rank < P >. Secondly, in the choice of insurance, we should improve the protection before considering investment and financial management. The insurances people buy most often are accident insurance, health insurance and commercial endowment insurance. It is suggested to improve the common insurance types for serious illness, hospitalization, accidental injury, etc., and then choose investment and financial management types such as annuity insurance, universal insurance, dividend insurance and investment-linked insurance according to your own economic strength and financial management requirements.
Finally, when you choose the insurance coverage, it should not be too high or too low. It is suggested that it should be 5 to 1 times of your annual income, while the premium payment should not exceed 1% of your annual income to avoid excessive economic burden.