Hello, I'm glad to answer your question.

Zhongmin integral treasure Card is jointly launched by China CITIC Bank Credit Card Center and Zhongmin integral treasure, and it is currently under hot processing.

This is a strategy to buy insurance in yuan, so you don't have to pay extra for "cancer prevention insurance" and "accidental death and disability insurance" in the future ~

So, what are the insurance contents?

1. Two ways to obtain health insurance

(1) You can get a health insurance plan policy with a guarantee period of 12 months by swiping the card through the "how much to protect" health insurance plan (Privilege 1)

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(2) Double points are obtained through online shopping of Zhongmin integral treasure, and points can be exchanged (privilege 2)

Zhongmin integral treasure is built and operated by Zhongmin E-commerce Co., Ltd., and it is a "close brother" with Zhongmin Insurance Network. Zhongmin points can be directly used to exchange points goods, insurance products, red wine products, or other high value-added rights and interests.

during the validity period of the card, cardholders can get double points of China People by swiping their cards at more than 2 mainstream e-commerce websites through China People's integral treasure APP/ official website.

every one citizen's points can be exchanged for 1 times of health protection, that is, cardholders can get up to 2 times of health protection for spending money on e-commerce websites through citizen integral treasure.

The "how much to pay" health insurance plan is the same as the protection exchanged by China People's points, and includes two kinds of insurance: cancer insurance and accidental death and disability insurance.

2. Insurance age

The maximum guarantee age for cancer insurance is 5 years old. At the same time, if you want to successfully apply for cancer insurance, you need to pass health notification. Then for friends who are 51-6 years old or have not passed the health notice, the amount of cancer insurance will be automatically converted into the amount of accidental death and disability insurance.

3. Coverage

The coverage ratio of the two types of insurance is fixed. Accidental death and disability insurance: cancer prevention insurance =2:1, and the total annual coverage does not exceed 3 million. How to calculate it specifically? This seems to be a complicated problem, but it's not complicated, but you can rest assured that it won't be done by your hands.

For example:

Mr. Wang, a co-branded credit card holder of China CITIC Bank Zhongmin integral treasure, went to major websites to shop through Zhongmin integral treasure, and used this card to pay. The effective transaction amount for the whole year was 6, yuan:

Through Privilege I, Mr. Wang could get 6, yuan of health insurance coverage, including 4, yuan for accidental death and disability insurance and 2, yuan for cancer prevention insurance;

through privilege 2, Mr. Wang can get about 12, points from integral treasure, a citizen of China. The health insurance plan with 12, points convertible for free is 1.2 million yuan, including 8, yuan for accidental death and disability insurance and 4, yuan for cancer prevention insurance.

to sum up, Mr. Wang received 1.26 million yuan of health insurance coverage free of charge throughout the year.

3. Guarantee time

Many friends ask whether these two insurances are only for one year or for life. Neither option is accurate ~

Although each insurance policy covers a period of one year, the cardholder can always enjoy health protection during the validity period of the credit card.

One-year insurance policies can be generated continuously through credit card consumption and point redemption, and each policy can be accumulated, so that the insured amount of the expired policy will not be included in the total insurance amount. For 12 consecutive months, the maximum amount of all policies is 3 million yuan.

4. Occupational category

The coverage of both products is 1-6. Here, I would like to remind you that for accidental death and disability insurance, 1% of the insured amount is paid for category 1-4, 5% for category 5 and 3% for category 6.

why do the 5 and 6 occupations pay less?

This is because according to the accident insurance products on the market, high-risk occupational groups are insured with the same amount of insurance as low-risk occupations, and the annual premium is one or two hundred yuan more expensive, so the same premium will be relatively reduced.

5. Coverage

Like most cancer insurance in the market, the cancer insurance of the "how much insurance is paid" health insurance plan also excludes some cancers with low treatment cost and good prognosis, such as:

①? Cancer in situ;

② is equivalent to Binet? Staging plan a? Stage I chronic lymphoblastic leukemia;

③ equivalent to Ann? Arbor? Staging scheme I? Stage of Hodgkin's disease;

④? Skin cancer (excluding malignant melanoma and metastatic skin cancer);

⑤? Prostate cancer with TNM stage T1NM or less;

⑥ malignant tumor during HIV infection or AIDS;

⑦ AJCC, which is primary in thyroid gland, is a malignant tumor with clinical stage I-III.

finally, when you see this, you will definitely ask, who are you looking for?

Let me briefly introduce the "behind-the-scenes team" of the credit card health insurance plan: China Insurance Broker-insurance product design and development, China Pacific Property Insurance-main underwriting, Munich Reinsurance Company-reinsurance.

if you usually buy insurance, you can go directly to the insurance platform or insurance company when you are out of danger. Who should you go to for this insurance sent by credit card?

Don't look for the wrong number. You should look for China Insurance Network!

Please call the 7*24-hour service hotline of China Insurance Network as soon as possible. Then you can do this:

(1) telephone claim settlement process

①? After the accident, directly contact the 7*24-hour customer service hotline of China Insurance Network;

②? The claims specialist of China Civil Insurance Network assists you to complete the preparation of claims data;

③? The Claims Commissioner of China Civil Insurance Network helps you to apply for claims from insurance companies through the green claims channel, and urges insurance companies to close the case as soon as possible;

④? The insurance company will pay compensation after approval.

In addition to calling the customer service hotline, you can also report the case on the "China Insurance Network" WeChat WeChat official account self-service:

(2) Online claim settlement process

①? Pay attention to "China Insurance Network" WeChat WeChat official account;

②? Enter the "Member Center-Claims-Self-help Claims", fill in the report information and upload the materials needed for claims (if necessary, the Claims Commissioner of China Insurance Network will inform you to prepare the paper materials as soon as possible);

③? The Claims Commissioner of China Civil Insurance Network helps you to apply for claims from insurance companies through the green claims channel, and urges insurance companies to close the case as soon as possible. You can check the current claim progress in real time in the member center;

④? The insurance company will pay compensation after approval.

I hope the above answers can help you!