What are the terms of CMB Cigna Personal Accident Insurance?

Like other insurance companies, they are all reviewed and approved by the Insurance Regulatory Commission, and there is not much difference between the same type of insurance of all insurance companies.

I don't know, I haven't learned about the products of such a small company.

First, let's take a look at the company's strengths. China Merchants Cigna is a Sino-US joint venture life insurance company jointly funded by two reputable century-old enterprises, and the shareholders of the two investors are Cigna North America Life Insurance Company and a subsidiary of China Merchants Group, covering Guangdong, Beijing, Shanghai, Zhejiang, Jiangsu, Sichuan, Hubei, Shandong, Liaoning and Shaanxi regions. In this regard, the accident insurance of China Merchants Cigna can make users feel very relieved.

From the perspective of the product itself, Cigna's accident insurance can provide consumers with protection against accidental injury, accidental disability, accidental medical treatment, etc. In other words, whether the consumer is injured due to an accident, disabled due to an accident, or incurred medical expenses due to an accident, Cigna will compensate according to the insurance contract, so you can take out insurance with peace of mind. From the perspective of product types, China Merchants Cigna provides a wide range of accident insurance, including not only vehicle accident insurance, but also travel accident insurance and comprehensive accident insurance, among which vehicle accident insurance has a larger coverage than aviation insurance, in addition to protecting the accident risk when taking an airplane, trains, cars, ships, etc. are all covered.

Finally, from the perspective of claims, as a well-known insurance company, China Merchants Cigna provides the service of courier personnel to collect the claim information, and at the same time opens the WeChat receiving platform, so that customers can complete the submission of claim information without leaving home. In addition, at each key node of claim processing, CMB Cigna will also automatically send SMS to notify customers, and provide customers with a self-service function to inquire about the progress of claims through **, so that customers can understand the progress of claim processing at any time and implement transparent claims.

Summary. Hello dear, happy to answer your <>

China Merchants Cigna Million Guardian Accident Insurance is an accident insurance product that provides accidental death or disability protection for the insured. China Merchants Cigna Million Guardian Return Accident Insurance is a long-term protection, 10 years of payment and 30 years of protection, and has 140% return regardless of whether the claim is settled

Born 28 days - 17 years old, protection period: 30 years, payment period: 10 years, payment method:

Annual or monthly.

China Merchants Cigna Million Guardian Accident Insurance.

Hello dear, happy to answer your <>

China Merchants Cigna Million Guardian Accident Insurance is an accidental injury insurance product that provides accidental death or disability protection for the insured. China Merchants Cigna Million Guardian Return Accident Insurance is a long-term protection, 10 years of payment and 30 years of protection, and has a key plexus regardless of whether the claim is made, 140% return at the end of the period, insurance notice: insurance age:

Born 28 days - 17 years old, protection period: 30 years, payment period: 10 years, payment method:

Annual or monthly.

Cigna's Million Guardian Accident Insurance has exclusive protection for adults and children, truly meeting the needs of different groups of people. To purchase China Merchants Cigna Million Guard, you need to read the insurance terms in advance to ensure that the coverage meets your needs. If you do not pay the outstanding insurance premiums after the end of the grace period, this contract shall be suspended from the expiration of the grace period.

If the death of the insured is caused by the occurrence of the first circumstance above, the validity of the main contract shall be terminated; If you have paid the insurance premium for more than two years, we will refund the cash value of the main contract to other right holders; Other rights holders shall determine the purity of the model in the order of the insured and the insured's heirs. The content of the CMB Cigna Million Guardian clause mainly includes the insurance scope, insurance period, grace period and liability exemption, of which the insurance scope is from 28 days old to 55 years old; The grace period is 60 days from the date of payment of the insurance premium; The insurance period of the main contract is stated in the insurance policy and starts when the autonomous contract comes into force.

Since the advent of China Merchants Cigna Insurance, its popularity and high-quality services have been talked about by the majority of consumers, one of the reasons is that China Merchants Cigna Insurance has many types of insurance and a wide range of business coverage, which can meet the diverse needs of people. This insurance is worth it for people to have. Let's follow this article to find out!

**China Merchants Cigna Insurance

China Merchants Cigna Insurance **** is a Sino-US joint venture life insurance company jointly funded and founded by two reputable century-old famous enterprises. The shareholders of the two investors are subsidiaries of Cigna Group and China Merchants Group. Founded in 1872, China Merchants Group is one of the earliest enterprises in the process of modern national commercial modernization in China, and is also one of the important windows for China to introduce Western advanced industrial technology and business models to the outside world during the "Westernization Movement".

As a well-known Chinese-funded enterprise in Hong Kong, China Merchants Group has more than 250 wholly-owned, holding and important shareholding enterprises, including 14 listed companies. What are the good life insurance recommendations, I just sorted out the relevant content, I hope it will be helpful to you: 2020 Top 10 Insurance Companies Hot Life Insurance Inventory!

Drawing on Cigna Group's successful global insurance business philosophy, China Merchants Cigna Insurance has been committed to becoming an expert and leader in providing "protection-oriented" insurance products and services including life insurance, accident insurance and supplementary medical insurance in the Chinese market through direct marketing by non-leading people, providing our customers and their families with financial protection in the event of accidents and illnesses. What kind of accident insurance is available with accidental medical treatment? Which one has more protection?

Which one is worth buying? Let's take a look at what are the good accident insurance recommendations? Top 20 best-selling accident insurance in 2020!

Generally speaking, large insurance companies have many types of insurance that can cover all aspects of life, while China Merchants Cigna Insurance has a total of seven types of insurance products, including health and medical insurance, high-end medical insurance, travel insurance, accident insurance, children's insurance, life insurance, and investment-linked insurance, which can meet the needs of most people. Which insurance company is strong, I just sorted out the relevant content, I hope it will be helpful to you: the latest list!

Ranking of the top 10 insurance companies in the country.

China Merchants Cigna Life Insurance is a professional, stable and innovative Sino-foreign joint venture life insurance company specializing in health protection, providing products and services covering insurance protection, health management, wealth planning and other products and services for enterprises and individuals, and its Chinese and foreign shareholders are China Merchants Bank and Cigna Insurance Group.

Shareholder IntroductionFounded in Shenzhen in 1987, China Merchants Bank is the first joint-stock commercial bank in China that is fully owned by a corporate legal person.

Cigna Corporation is one of the four largest commercial health insurance companies in the United States and a global medical service company, with more than 70,000 employees worldwide, business in more than 30 countries and regions, serving more than 100 million customers, and ranking 28th in the Fortune Global 500 list in 2021.

Company features:01.Professional, focused, and stable operation.

02.Health protection has significant advantages.

03.Scientific and technological innovation is customer-oriented.

Other insurance questions can be consultedPre-sales product consultation: 400-880-3633

Summary. The insurance coverage of China Merchants Cigna Insurance includes medical expenses for hospitalization and surgery, more than 130 types of critical illness insurance, education funds, accidents, malignant tumors, etc.

China Merchants Cigna Insurance includes health insurance, children's insurance, accident insurance, annuity insurance and high-end medical insurance, with a total of 19 insurances.

China Merchants Cigna Insurance Coverage.

The insurance coverage of China Merchants Cigna Insurance includes medical expenses for hospitalization and surgery, more than 130 types of critical illness insurance, education funds, accidents, malignant tumors, etc. China Merchants Cigna Insurance includes health insurance, children's insurance, accident insurance, annuity insurance and high-end medical insurance, with a total of 19 insurances.

I hope mine is helpful to you and I wish you a happy life.

Let's first take a look at the product advantages of the Million Guardian Return Accident Insurance.

1. Pay for 10 years and guarantee 30 years.

You only need to pay for 10 years, and you can enjoy 30 years of protection with peace of mind;

2. Up to 140,000 accidental medical treatments, up to 30 years of protection.

Accidental medical treatment: outpatient and hospitalization within the scope of social insurance can be compensated, with a maximum annual compensation of 10,000 yuan, and a maximum compensation of 140,000 yuan during the insurance period;

Accidental disability: up to 140,000 yuan;

Accidental Death: Up to 1,400,000 + 140% of the premium paid;

Non-accidental death: 140% of the premiums paid will be refunded in the event of non-accidental death after the waiting period;

3. Up to 1.4 million all-round support for land, sea and air.

Accidental death of land and water vehicles such as buses, taxis, ships: up to 420,000 + 140% premium;

Accidental death of a non-operating motor vehicle such as driving or riding in a private car: up to 420,000 + 140% premium;

Accidental death by airplane: up to 1.4 million + 140% premium;

4. 30 years of global emergency relief services.

Worldwide coverage, up to 30 years of global emergency rescue services in the event of an accident;

5. Regardless of whether the claim is made or not, 140% can be refunded.

At maturity, the insured survives, regardless of whether the claim is made or not, and receives 140% of the premium paid.

1. This company can be trusted, there is no problem, and it is with China Merchants Bank.

2. The general insurance options are accident insurance, health insurance and pension insurance. You are missing critical illness insurance and pension insurance.

3. The insurance you buy cannot be applied for life, and it is estimated that your situation is that someone else will call you ** and sell you insurance, so you will buy it and deduct money from the China Merchants Card every month. This kind of marketing products are relatively simple. If you choose whole life critical illness insurance, it is recommended to check with the insurance company and choose the right product.

4. Each insurance product is an exemption clause, and the content is basically the same, but the critical illness insurance will make very strict and clear provisions on the types of serious illnesses, and those that do not meet the requirements are not within the scope of protection.

Many people have said before, so let me say one of my suggestions, you can make a reference: according to the insurance calculation of the life company, their 12w is 2800 yuan per month, but in 20 years, it will not be much less than the money you buy China Merchants Cigna! At the same time, China Merchants Cigna has a ** subsidy of 72,000 on the basis of 10w (must be full).

Two: It's not cost-effective to repay the money at the age of 70 than to repay the money after another 20 years.

It is recommended that if the economy allows, buy a copy of China Merchants Cigna and then + this Corning.

1.This friend, please take a closer look at your contract, you should buy a critical illness insurance, because I have also bought one, the total amount of compensation is 17200, (100,000 first, 2000 per month, a total of 3 years) You first read the insurance contract. As you said, the insurance period for malignant tumors and other major diseases is 20 years, the premium is 10 years, and the premium is 110% after the expiration of the term.

2. China Merchants Cigna Insurance Company has been filed with the State Insurance Regulatory Commission, and it is trustworthy, otherwise how can you have an insurance contract?

Unlike general insurance companies, China Merchants Cigna is an insurance company without ** people, mainly relying on online telemarketing and bancassurance channels to expand customers.

1. The "money ability" of China Merchants Cigna

Registered capital: 2.8 billion.

Shareholder introduction: The shareholders of the two sides of the investment are Cigna North America Life Insurance Company and China Merchants Bank, both of which are frequent customers of the world's top 500.

2019 premium income: 17.7 billion.

Although China Merchants Cigna is inferior to first-line insurance companies such as Chinese Life and Ping An of China in all aspects, its strength is quite good!

2. Solvency of China Merchants Cigna

Solvency is a basic measure of an insurance company's financial health, and the higher the solvency, the less likely the company is to fail.

In the first quarter of 2020, the core solvency adequacy ratio was A, and the overall risk rating was A, far exceeding the passing mark set by the China Banking and Insurance Regulatory Commission. And what about those insurance companies with high solvency?

You can look at this list, you can look at this list:Solvency Rankings|In 2020, which insurance company can "pay" the most? 》

3. What are the products of Cigna of China Merchants?

China Merchants Cigna's products are not worth buying, it depends on which product it is, taking its popular critical illness insurance "Anxiang Health" as an example, although the protection is passing, but the cost performance is low, you can see this article for detailed product evaluation"China Merchants Cigna Anxiang Health: There is a reason why it is said that it is not good on the Internet.

Hello: The insurance company is definitely credible. I don't know when you bought it?

If you still feel that it is not suitable for you to return it, in fact, there are many critical illness insurance that can be guaranteed for life, if you pass the cooling-off period, it is recommended to continue to pay, this critical illness insurance is still good, if the economic conditions allow, you can apply for a lifelong critical illness insurance.