Is China Merchants Bank's credit card insured?

Nowadays, with the development of society, many people will get a credit card for themselves. Credit cards are more and more widely used, and more and more people use it. And credit card insurance is based on the losses caused by the cardholder's malicious overdraft, the loss or theft of the credit card, and the card issuer's employees' corruption or misappropriation of public funds.

Is China Merchants Bank's credit card insured?

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

At present, there are roughly two kinds of online insurance and offline insurance. Relatively speaking, online insurance is not only favorable in price, but also guaranteed in later claims service. You should pay attention to the following points before insurance:

1. Credit card credit guarantee insurance is an insurance in which an insurance company takes the bank credit card department as the applicant and the insured to compensate the bank credit card department for irrecoverable economic losses caused by cardholders or other reasons. ? Which insurance company is stronger? I just sorted out the relevant contents, hoping to help you: the latest list! The ranking of the top ten insurance companies in China is

2. Credit card accident liability insurance is an insurance that the insurance company takes the cardholder as the insured, and compensates the cardholder for the unrecoverable economic loss caused by someone else's fraudulent use before the effective date of loss reporting stipulated by the credit card department after the credit card is lost or stolen. If you use China Merchants Bank's credit card to worry about risks such as swiping, you can pass on the financial risks in this area by purchasing an appropriate insurance in advance. China Merchants Cigna has insurance products that provide protection for personal account property security, so you may wish to come and make a comprehensive comparison and purchase.

Of course, if China Merchants Bank has insurance, there will be claims. Now I will popularize the credit card insurance claims process of China Merchants Bank for everyone.

First, report the case

Please ask the customer to report the case in the following ways in time after knowing the occurrence of the insurance accident:

① Report the case by telephone: the customer can call our national customer service hotline to report the case;

② report by fax: customers can also send the report to our national customer service fax hotline at 4-888-8299;

③ On-site reporting: customers can also report the case to each branch in person;

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

① Policy number;

② Name and ID number of the insured;

③ the name and telephone number of the informant;

④ basic information of the insured accident (such as the time, place, course, injury, treatment result, hospitalization time, diagnosis, examination and operation, etc.);

⑤ other matters that customers need to explain.

2. Claims inquiry

If the customer has opened the "online service", the customer can check the latest claims situation after logging in, or the customer can call China Merchants Bank's national customer service hotline 4-888-8288 for claims-related inquiries, and the customer service representative of China Merchants Bank will serve the customer wholeheartedly.

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

III. Progress of claims

Investigation and verification of claims: China Merchants Bank will complete the trial of claims with complete information, clear responsibilities and no need for investigation and verification within 5 working days; If China Merchants Bank finds that the customer's claim information is incomplete during the claim review process, China Merchants Bank will notify the customer to pay it as soon as possible in the form of SMS. If the customer's claim needs to be investigated and verified, China Merchants Bank will tell the customer by SMS and re-estimate the time required for the trial.

send back the claim data: China Merchants Bank will send the Notice of Claim Result and the original claim data of the customer to the postal address designated by the customer by express delivery, regardless of whether the claim is paid.

if the customer's claim can be paid after approval, China merchants bank will remit the insurance money to the bank account designated by the customer within 5 working days. Please provide the account number of the insured/beneficiary and the detailed name of the bank (specific to the sub-branch) in order to make the customer's claim payment smooth.