China Merchants Cigna Insurance is not a lie. China Merchants Cigna is a joint venture insurance company, which has been examined by the China Insurance Regulatory Commission. When purchasing insurance, customers need to read the insurance contract carefully. If you encounter regulations that you don't understand or the salesman can't explain clearly, you can consult customer service or other professionals to ensure that the contents of the insurance contract meet your own needs, and the insurance claims are strictly implemented according to the contract. If you buy insurance because you listen to the one-sided explanation of bad salespeople and cause insurance disputes, you can complain to the local CIRC.