Nowadays, with the development of society, many people will apply for a credit card for themselves. Credit cards are becoming more and more widespread, and more and more people are using them. And credit card insurance is based on the use of the cardholder. This insurance covers losses caused by non-bona fide overdrafts on credit cards, fraudulent use by others after the credit card is lost or stolen, or embezzlement or misappropriation of public funds by employees of the issuing bank.

Is China Merchants Bank’s credit card insured?

China Merchants Bank’s credit card is insured, and most of the sales methods for China Merchants Bank’s credit card insurance are telephone sales. If you go to China Merchants Bank to apply for a credit card, you need to look carefully. For each clause, China Merchants Bank's credit card insurance mainly includes two types: credit card credit guarantee insurance and credit card accident liability insurance. Now let’s take a look at how to apply for a China Merchants Bank credit card.

At present, there are generally two types of insurance: online insurance and offline insurance. Relatively speaking, online insurance not only has a favorable price, but also has guaranteed claim settlement services. You need to pay attention to the following points before applying for insurance:?

1. Credit card credit guarantee insurance is a type of insurance in which the insurance company uses the bank's credit card department as the policy holder and the insured to compensate for irrecoverable economic losses caused to the bank's credit card department by the cardholder or other reasons. ?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

2. Credit card accident liability insurance means that the insurance company takes the cardholder as the insured and will cover the risk of a credit card being lost or stolen by others before the effective date for reporting the loss specified by the credit card department. An insurance that compensates the cardholder for irrecoverable economic losses caused by fraudulent use. If you are worried about risks such as theft when using a China Merchants Bank credit card, you can pass on this financial risk by purchasing a suitable insurance in advance. China Merchants Cigna has insurance products that provide protection for the safety of personal account property. You may wish to come here for a comprehensive comparison. Shop.

Of course, if China Merchants Bank credit card has insurance, there will be claims. Now I will share with you the insurance claims process of China Merchants Bank credit card.

1. Reporting

Customers are requested to promptly report the case through the following methods after knowing that the insurance accident occurred:

①Telephone report: Customers can call our company’s national customer service Hotline report;

② Fax report: Customers can also send the report to our company’s national customer service fax hotline 400-888-8299 to report the case;

③ Door-to-door report: Customers can also report in person Report the case to each branch;

In order for customers to successfully obtain compensation for future claims, please provide the following information to China Merchants Bank when reporting the case. This information should be true and specific:

① Policy number;

②Insured’s name and ID number;

③Reporter’s name and contact number;

④Basic information on the insured accident (if it occurs The time, location, course of the accident, injuries, treatment results, hospitalization time, diagnosis, examinations and surgeries, etc.);

⑤Other matters that the customer needs to explain.

2. Claims Inquiry

If the customer has opened the "online service", the customer can log in to check the latest claim status, or the customer can call the CMB national customer service hotline 400-888- For claims-related inquiries at 8288, China Merchants Bank’s customer service representatives will serve customers wholeheartedly.

After receiving the customer's claim information, China Merchants Bank will register it immediately and send a mobile phone message to the customer to confirm receipt;

3. Claim settlement progress

Claim settlement Investigation and verification: For claims with complete information, clear responsibilities and no need for investigation and verification, China Merchants Bank will complete the review within 5 working days; if China Merchants Bank finds that the customer’s claim information is incomplete during the claims review process, China Merchants Bank will send a mobile phone text message In the form of a one-time notification to the customer to pay it as soon as possible; if the customer's claim application requires investigation and verification, China Merchants Bank will inform the customer via mobile phone text message and re-estimate the time required for the review.

Send back the claim information: Regardless of whether the claim is paid or not, China Merchants Bank will send the "Notice of Claim Result" and the original claim information of the customer to the mailing address designated by the customer by express delivery.

If the customer's claim application is approved for compensation, China Merchants Bank will remit the insurance money to the customer's designated bank account within 5 working days.

In order to make the customer's claim payment smooth, please provide the insured/beneficiary's personal account number and the detailed name of the account opening bank (specifically the branch).