China Merchants Cigna has many insurance products. The description you provided is not enough to judge what kind of insurance it is. Let's take a look at my specific analysis:
China Merchants Cigna is a Sino-US joint venture life insurance company, and its shareholders are China Merchants Bank and Cigna North America Life Insurance. It's not awesome that China Merchants Cigna has the support of these two fortune 500 financiers!
But buying insurance is a serious matter, and it still depends on how the insurance products are. China Merchants Cigna mainly engages in personal insurance business such as accident insurance, annuity insurance and health insurance. Official website's main products are critical illness insurance, such as enjoying health and enjoying health.
As usual, I still want to find a product for everyone to analyze. Today, let's talk about the popular critical illness insurance of China Merchants Cigna and enjoy health! Here is an article recommended to you. The evaluation contents of other products of China Merchants Cigna are all here: the inventory of popular critical illness insurance of the top ten insurance companies worth buying!
So, what are the advantages and disadvantages of Anxiang Jian Kang? Look at the picture directly:
As can be seen from the figure, this product has too few advantages: except for double premium for some high-risk cancers, other guarantees are mediocre.
Disadvantages:
1. Insufficient disease: light weight, no high incidence of "coronary intervention, minimally invasive coronary artery bypass grafting" and other projects.
2. Pay for minor ailments for many times, with a long interval: every interval 1 year, with a long time.
3. No Chinese medicine: At present, most products on the market already contain Chinese medicine, which reduces the proportion of claims.
Due to the limited space, I won't go into details one by one. For a complete introduction of this product, reading this article is enough!