Generally, telemarketing uses the information left by you when you apply for bank cards or other bank wealth management products. The cross-selling products should be real, but you should see whether this product is really suitable for your situation. Health insurance involves many complicated terms, such as which hospital to accompany, whether there is a deductible, what kind of expenses to compensate and so on. You'd better ask before making a decision.
It's best to find a professional insurance agent or broker to buy insurance, and configure it according to your income and expenditure and insurance demand, so that you can spend the least money on reasonable allocation. And you can explain the terms and benefits thoroughly and clearly.