What is CMB Cigna Critical Illness Insurance? What critical illnesses are included in Cigna Critical

Back to your question. At present, there are only two types of critical illness insurance that China Merchants Cigna is still selling: Joy Health Critical Illness Insurance and Anxiang Health Critical Illness Insurance.

Let me give you a detailed introduction to China Merchants Cigna and their Anxiang Health Critical Illness Insurance to help you fully understand China Merchants Cigna!

China Merchants Cigna is a Sino-US joint venture life insurance company, and its shareholders are China Merchants Bank and Cigna North America Life. I have to say that with the tough backstage of these two Fortune 500 insurance companies, China Merchants Cigna is also very powerful!

But buying insurance is protection, not an insurance company, so it's important whether the product is good or not. China Merchants Cigna is mainly engaged in various types of life insurance business such as accident insurance, annuity insurance, health insurance, etc., and the main products on the official website are mainly critical illness insurance, such as Anxiang Health, Yuexiang Health, etc.

The old rules, I still have to find a product for you to analyze, today let's talk about China Merchants Cigna's popular critical illness insurance [Anxiang Health]! If you want to know more about the product evaluation of China Merchants Cigna, I recommend you to take a look at this article, super complete! "How is China Merchants Cigna, is it reliable, and what are the advantages and disadvantages of the product".

Next, let's take a look at the guarantees of this product:

Let's start with the advantages: except for the double coverage for certain high-incidence cancers, the rest of the coverage is mediocre.

The disadvantages at a glance:Insufficient types of disease: There is no high-incidence "coronary intervention, minimally invasive coronary artery bypass" and other projects, and there is a shortage of catties and two.

There is a long interval between claims for minor illnesses: Multiple claims, but each time there is a 1-year interval, which is a longer time.

Does not contain moderate symptomsAt present, most products on the market already contain moderate symptoms, and the proportion of claims is reduced if they do not contain moderate symptoms.

In addition, there are some product analysis about [Anxiang Health], I won't say much, interested friends can read this article:"Why I don't recommend you to buy [Anxiang Health], you will know after reading it! 》Hope!

Hello, in addition to the product of Tranquility and Health, there are also major illness insurance companies such as: Leisurely Health Return Critical Illness Insurance, Health Care Worry-free Second Generation Critical Illness Insurance, Health Care Worry-free Third Generation Critical Illness Insurance, Supreme Edition Cherish Life Critical Illness Insurance (Participating), Premium Edition Cherish Life Critical Illness Insurance (Participating), Cherish Life Critical Illness Insurance (Participating) and so on.

In addition to protecting 60 major diseases and 10 minor diseases, the Anxiang Health you mentioned also has the following three major functions:

1. Return upon expiration. Survive to maturity and have no critical illness claims, excess refund of premiums paid 110% (20 years of insurance) 128% (up to age 70) 150% (up to age 100). Only minor illness claims are still entitled to premium refund;

2. Death benefit. In the event of the death of the insured, the basic sum assured will be paid or the premium paid will be refunded without interest;

3. Second medical opinion. We can consult with a network of the world's top medical institutions to provide you with professional written medical advice. The service can be used during the coverage period.

This insurance is comprehensive and worth insuring!

Hello! There are many types of critical illness insurance, and it is recommended that you supplement commercial insurance on top of social insurance. This kind of insurance is more sound.

Although this insurance says that there are more serious illnesses covered, but the specific needs to depend on the individual's situation, some serious illnesses are not necessary to be covered if it is wasted, you can combine your living environment and your family genetic history to see if you need these protection.

As for what kind of good to buy, it depends on what you buy, and what suits you is good. We recommend CMB Cigna Health Care Second Generation Critical Illness Protection Plan, which covers 30 critical illnesses. If there is no claim at the end of the year, 110% of the premium paid will be refunded.

Here you can take a look at the application strategy of commercial critical illness insurance, so that you can better understand the insurance! Hope mine is helpful to you! If you need any other help, you can continue to contact me!

There are three types of critical illness medical insurance on the market today. One is the critical illness insurance that is paid proportionally, which is the compensation ratio set according to the type of critical illness; The second type is critical illness insurance in the form of supplementary insurance, which is called the supplementary insurance of the main insurance; The third type is the early payment type, which includes critical illness and death compensation, and is currently a popular type of insurance for consumers. Specific diseases include these:

The 60 critical illnesses covered in the contract are as follows:

1. Malignant tumors;

2. Acute myocardial infarction;

3. Sequelae of stroke;

4. Major organ transplantation or hematopoietic stem cell transplantation;

5. Coronary artery bypass grafting (or coronary artery bypass grafting);

6. End-stage renal disease (or chronic renal failure, uremia stage);

7. Multiple limbs are missing;

8. Acute or subacute severe hepatitis;

9. Benign brain tumor;

10. Decompensated stage of chronic liver failure;

11. Sequelae of encephalitis or meningitis;

12. Deep coma;

13. Deafness in both ears;

14. Blindness;

15. Paralysis;

16. Heart valve surgery;

17. Severe Alzheimer's disease;

18. Severe brain injury;

19. Severe Parkinson's disease;

20. Severe burns;

21. Severe primary pulmonary hypertension;

22. Severe motor neuron disease;

23. Loss of language ability;

24. Severe aplastic anemia;

25. Aortic surgery;

26. Cystic disease of the renal medulla;

27. Primary cardiomyopathy;

28. Persistent vegetative state;

29. Generalized myasthenia gravis;

30. Necrotizing fasciitis;

31. End-stage lung disease;

32. Human immunodeficiency virus (HIV) infection caused by blood transfusion;

33. Muscular dystrophy;

34. Severe multiple sclerosis;

35. Severe crohnal disease;

36. Severe asthma;

37. Severe myocarditis;

38. Severe ulcerative colitis;

39. Primary sclerosing cholangitis;

40. Acute necrotizing pancreatitis;

41. Atrioventricular block;

42. Wilson's disease (or Wilson disease);

43. Human immunodeficiency virus (HIV) infection caused by occupational relationships;

44. Idiopathic chronic adrenal insufficiency;

45. Erosive molar pregnancy (or malignant molar pregnancy);

46. Poliomyelitis;

47. Severe type I diabetes mellitus;

48. Systemic lupus erythematosus - (concurrent) type III or above lupus nephritis;

49. Severe dementia not caused by Alzheimer's disease;

50. Severe rheumatoid arthritis;

51. Pancreas transplantation;

52. Ebola virus infection;

53. Clipping surgery for ruptured cerebral aneurysm;

54. elephantiasis caused by filariasis;

55. pheochromocytoma;

56. Systemic sclerosis (scleroderma);

57. mad cow disease;

58. Chronic ** pancreatitis;

59. Still's disease;

60. Gangrene caused by hemolytic streptococcus.

"Critical illness insurance" generally covers the following six diseases:

Malignancy. Acute myocardial infarction.

Sequelae of stroke.

Coronary artery bypass grafting (also known as coronary artery bypass grafting).

Major organ transplantation or hematopoietic stem cell transplantation.

End-stage renal disease (also known as the uremia phase of chronic renal failure).

Why not find a big insurance company to buy insurance, such as Pacific Insurance, Ping An, Chinese Life, find a professional insurance company to buy insurance.

1.China Merchants Cigna: A life insurance company invested by Fortune 500 companies.

2.Critical Illness Insurance: Enjoy Health 2018

Critical illness insurance is a long-term insuranceOnce the contract is signed, it is decades, and the contract is written to protect it for life, so the insurance company must protect it to the corresponding number of years according to the contract. Before buying critical illness insurance, let's take a closer look at this companyIs China Merchants Cigna reliable?

The article is too long and you don't want to read it, so you can go straight to the topic

1.China Merchants Cigna: A life insurance company invested by Fortune 500 companies.

China Merchants Cigna is a life insurance company owned by China Merchants Bank Co., Ltd. **** and Cigna North America Life Insurance Company 50% each.

Business scope: 1) Life insurance, health insurance and accident insurance and other insurance business. 2) Reinsurance business of the above businesses.

According to the notice issued by the China Banking and Insurance Regulatory Commission:In 2019, the comprehensive regulatory risk rating of China Merchants Cigna Insurance Company was A.As of the end of the fourth quarter of 2019,The solvency adequacy ratio of China Merchants Cigna Insurance Company is as high as 257%., well above the regulatory red line (100%) set by the CIRC

Why should they talk about their family's critical illness insurance?

The purpose of introducing the company is to reassure everyone.

If there are still many doubts, you can poke

Will insurance companies go bankrupt? What happens to the insurance I buy in case of bankruptcy?

It's always right to know a little more, after all, it's a long time and a lot of work. You can't be too careful.

2.Critical Illness Insurance: Enjoy Health 2018

CMB Cigna's current main single-claim critical illness insurance is Anxiang Health 2018

Let's select two popular products of the same type on the market and compare them with the critical illness insurance of China Merchants Cigna Insurance Company, and we will know how the critical illness insurance of China Merchants Cigna Insurance Company is

As can be seen from the table:

1) As lifelong critical illness insurance, the premiums of Anxiang Health 2018 and Ping An Fu 2019 are nearly twice as expensive as those of Lifetime Health 2019, and they are not cost-effective. (The shortcomings are too obvious to provoke).

2) Enjoy Health 2018 Critical Illness Coverage for 85 critical illnesses, and for 5 specific children's illnesses, an additional 50% of the sum insured will be paid once. It has an advantage over the other two.

In terms of data,China Merchants Cigna Critical Illness Insurance Anxiang Health 2018 has both advantages and disadvantages, and you can make a judgment on whether to buy it according to your own situation and conditions

Attached:Fosun United Health Life 2019 and Ping An Life Ping An Fu 2019

Hey, bai

Personally, I think it's very good to get China Merchants Cigna, and the claim settlement is fast, unlike some insurance companies that are very famous, but they are very active when they collect money, and when they make claims or accidents, they procrastinate and ......According to your own needs, if you want to buy education**, accidents, major diseases, and cancer prevention, it is best to choose China Merchants Cigna ......

Anxiang Health B is also the most comprehensive and the lowest one of Cigna at present, which can be paid attention to.

Anxiang Health B covers 70 diseases, 60 critical illnesses plus 10 mild illnesses plus death plus refund, which is very good.

Enjoy Health B model, 60 critical illnesses plus 10 mild illnesses plus death plus refund. The best at the moment.

About the definition of the scope of critical illness insurance.

The CIRC clearly stipulates that there are 6 types of critical illnesses that must be included

1.Malignancy.

2.Acute myocardial infarction.

3.Sequelae of stroke.

4.Major organ transplantation or hematopoietic stem cell transplantation.

5.Coronary artery bypass grafting.

6.End-stage renal disease (chronic rough renal failure, uremia stage), the above 6 diseases are diseases that must be included in the major illness insurance of heavy rock wide shed, and there are 19 major diseases redefined by the Chinese Medical Doctor Association, including:

7.Multiple limbs are missing.

8.Acute or subacute severe hepatitis.

9.Benign brain tumors.

10.Decompensated chronic liver failure.

11.Sequelae of encephalitis or sequelae of meningitis.

12.Deep coma.

13.Deafness in both ears.

14.Blindness.

15.Paralysis.

16.Heart valve surgery.

17.Severe Alzheimer's disease.

18.Severe brain injury.

19.Severe Parkinson's disease.

20.Severe third-degree burns.

21.Severe primary pulmonary hypertension.

22.Severe motor neuron disease.

23.Loss of language skills.

24.Major aplastic anemia.

25.Aortic surgery.

7 25 Diseases are not defined by the CIRC, and these diseases are not required to be included, which means that insurance companies may have all of them, some may have less than this, and some will add more to these 25 diseases. So ask the ** person clearly when buying.