How to buy customer credit insurance

How to buy China Merchants Bank credit card accident insurance?

If you want to buy a suitable product, you must first understand the characteristics of China Merchants Bank's credit card accident insurance:

65438+

2. One-year comprehensive accident insurance: it is a one-year effective general accident insurance, and its main insurance liability is 24-hour effective accidental medical treatment, disability and death.

3. Mass traffic accident insurance is a highly targeted accident insurance, and the guarantee period can be customized, ranging from 7 days to one year. The main insurance responsibilities are accidental injury, disability and death protection during transportation;

As for how to buy it? Then it is aimed at the above characteristics. First of all, different people choose different types of insurance. For business people who travel for a long time, public transport accident protection is essential, but because of the high frequency of taking public transport, they can buy second-generation accident insurance or one-year comprehensive accident insurance. The specific choice should be based on economic strength and personal security needs. If you want a high degree of protection, you can choose Reliance II accident insurance. For people who travel occasionally, public transport accident insurance is very suitable, not only targeted, but also its guarantee period can be decided freely according to the itinerary.

Secondly, the insurance amount should be appropriate. Adults should buy this kind of insurance, and the amount of protection should be sufficient. It is more appropriate to take 80% of the insured's income in five to seven years, because this amount of protection is quite practical once the insured loses the ability to maintain his original life in an accident. But if it is for children, the insurance amount should not be too high, ranging from 50-654.38+ 10,000 yuan. Because according to the regulations of the China Insurance Regulatory Commission, the maximum compensation for the accidental death of minors is 654.38+10,000 yuan, and some insurance companies will not pay extra.

Finally, the purchase method should be correct. Among all the purchase methods, online purchase is the most convenient and fast, and you can also get preferential premiums. After the insured completes the online insurance information and payment, the insurance company will issue an electronic insurance certificate and send it to the customer by email or SMS, and the insurance will take effect.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.