What is the explanation of China Merchants Cigna E's insurance for millions of hospitalization medical insurance?

Hospitalization medical insurance is responsible for the medical expenses incurred when the insured needs hospitalization due to illness or accidental injury. Buying a hospitalization insurance can transfer risks for yourself when necessary. China Merchants Cigna's e million inpatient medical insurance is a good choice, so what do you need to know about this product?

Instructions for China Merchants Cigna E to Insure Million Inpatient Medical Insurance

1. This product is underwritten by China Merchants Cigna Life Insurance Co., Ltd., and China Merchants Cigna has branches in Beijing, Shenzhen, Shanghai, Guangzhou, Hubei, Hunan, Jiangsu, Zhejiang, Shandong, Sichuan, Liaoning, Shaanxi, Chongqing, Henan and Jiangxi. One of the insured's registered permanent residence or work place must be in the above areas. How about China Life? I just sorted out the relevant contents, hoping to help you: How about China Life? Do you have any insurance recommendations?

2. The number of insured shares means that each insured person is limited to one product, and more investment is invalid.

3. The insured is over 18 years old, has full capacity for civil conduct, and has insurable interests with the insured.

4. The insured is a healthy natural person who has been insured for the first time for 28 days to 60 years old, and can be extended to 80 years old. The insured shall not engage in full-time or part-time occupations listed in the table of special occupational categories. If the occupational category of the insured changes, it must be changed at the insurance company within 5 days. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

5. The beneficiary of the beneficiary's insurance money is the insured himself.

6. Insurance period The insurance period is one year.

7. The medical liability protection zone in the protected area is limited to China, excluding Hong Kong, Macao and Taiwan, and the treatment must be in a public hospital above Grade II (including Grade II).

8. Waiting period The waiting period is 30 days, and there is no waiting period for successful renewal.

9. An electronic insurance policy contract is provided in the form of an insurance policy. According to Article 11 of People's Republic of China (PRC) Contract Law, data message is the legal form of contract expression, and electronic insurance policy has the same legal effect as paper insurance policy. After the policy is underwritten, the insurance company will send a short message to the mobile phone number provided by the insured, and the electronic policy will be sent to the reserved e-mail.

10. The effective date takes effect at 0: 00 the day after the insurance company agrees to underwrite and collect the full premium.

1 1. Termination of the contract When the insurance company receives the application for termination of the contract, the contract is terminated. There is a hesitation period of 15 days from the day after insurance. During this period, if the insured proposes to terminate the contract, the insurance company will refund all the premiums paid without interest. After the hesitation period, if the insured will suffer certain losses when terminating the contract, the insurance company will return the unexpired net premium of the insurance policy to the insured within 30 days from the date of receiving the application for terminating the contract.

Unexpired net premium = paid current premium ×( 1-35%)×( 1- days covered by this premium/days covered by this premium).

If the number of days elapsed is less than one day, it shall be counted as one day.

If the insurance company has paid any premium during the policy year when the applicant requests to terminate the contract, the net premium will not be refunded.

12. After inquiring about the policy underwriting, the insured can register and log in at China Merchants Cigna Life Insurance official website (/)-Customer Service-Member Center, and call China Merchants Cigna Life Insurance Customer Service Hotline at 400-888-8288 to inquire or verify the relevant information of the policy.

The above is all the introduction of this article, hoping to help those in need.

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