Zhong Min integral treasure Card was jointly launched by China CITIC Bank Credit Card Center and Zhong Min integral treasure, and is currently being processed.
This is a strategy for 0 yuan to buy insurance. There will be no extra charge for "cancer prevention insurance" and "accidental death and disability insurance" in the future ~
So, what is the insurance content?
1, two ways to obtain health protection
(1) adopt the "how much to insure" (privilege 1) health insurance plan.
You can get a health insurance plan policy with a guarantee period of 12 months by swiping your card.
(2) Earn double points through online shopping in integral treasure, Zhong Min, and the points can be exchanged (Privilege 2).
Zhong Min integral treasure is built and operated by Zhong Min E-commerce Co., Ltd., and is a "close brother" with Zhong Min Insurance Network. Zhong Min points can be directly exchanged for points goods, insurance products, red wine products or other high value-added rights and interests.
During the validity period of the card, cardholders can get double points by swiping their cards on more than 200 mainstream e-commerce websites through Zhong Min integral treasure APP/ official website.
Every 1 Chinese points can be exchanged 10 times for health protection, that is, cardholders can get 20 times of the credit card transaction amount by spending money on the e-commerce website through Chinese integral treasure.
The "how much to pay" health insurance scheme is the same as the protection obtained by China people's points, including two kinds of insurance: cancer insurance and accidental death and disability insurance.
2. Insurance age
The maximum age for cancer insurance is 50. At the same time, if you want to successfully apply for cancer insurance, you need health advice. Then for friends who are 5 1-60 years old or have not been informed by health, the insurance coverage of cancer prevention insurance will be automatically converted into the insurance coverage of accidental death and disability insurance.
3. Insurance amount
The coverage ratio of the two types of insurance is fixed. Accidental death and disability insurance: cancer prevention insurance =2: 1, and the total annual coverage does not exceed 3 million. How to calculate it specifically? This seems to be a complicated problem, but it's not complicated, but you can rest assured that it won't be made by your hands.
For example:
Mr. Wang, a co-branded credit card holder of CITIC Bank in integral treasure, went shopping on major websites through integral treasure and used the card to pay. The effective transaction amount for the whole year is 60,000 yuan;
Through Privilege 1, Mr. Wang Can received 60,000 yuan of health insurance: 40,000 yuan of accidental death and disability insurance and 20,000 yuan of cancer prevention insurance;
Through Privilege II, Mr. Wang Can got about 654.38+200,000 China points from integral treasure, China. 1.20,000 points can be exchanged for free. The insurance coverage of the health insurance plan is1.20,000 yuan, including 800,000 yuan for accidental death and disability insurance and 400,000 yuan for cancer prevention insurance.
To sum up, Mr. Wang's annual free health insurance coverage is 6.5438+0.26 million yuan.
3. Warranty period
Many friends ask whether these two insurances are only 1 year or life-long. Neither option is very accurate ~
Although the guarantee period of each policy is 1 year, the cardholder can always enjoy health protection during the validity period of the credit card.
Policies with a period of 1 year can be generated continuously through credit card consumption and point redemption, and each policy can be accumulated, so that the insured amount of expired policies will not be included in the total insured amount. For 12 months in a row, the maximum insured amount of all policies is 3 million yuan.
4. Occupational category
The coverage of both products is 1-6. I would like to remind you that for accidental death and disability insurance, 1-4 pays 100% of the insured amount, 5 pays 50% of the insured amount, and 6 pays 30% of the insured amount.
Why are classes 5 and 6 underpaid?
This is because according to the accident insurance products on the market, high-risk occupational groups are insured with the same insurance amount as low-risk occupations, and the annual premium is one or two hundred yuan more expensive, so the same premium and insurance amount will be relatively reduced.
5. Guarantee content
Like most anti-cancer insurance on the market, the anti-cancer insurance of the "How much to brush" health insurance plan also excludes some "cancers" with low treatment costs and good prognosis, such as:
①? Cancer in situ;
Equivalent to Binet.Alfred? Plan a? Stage I chronic lymphocytic leukemia;
3 is equivalent to an? Trees? Staging plan one? Stages of Hodgkin's disease;
④? Skin cancer (excluding malignant melanoma and metastatic skin cancer);
⑤? Prostate cancer with TNM stage of T 1N0M0 or lower;
Malignant tumor during HIV infection or AIDS;
⑦ Primary thyroid AJCC is a malignant tumor, and its clinical stages are I-III.
Finally, I would like to add that when you see this, you will definitely ask, who are you looking for?
Let me briefly introduce the "behind-the-scenes team" of the credit card health insurance plan: China insurance broker-insurance product design and development, China Pacific Property Insurance-main underwriting, Munich Reinsurance Company-reinsurance.
Usually buy insurance, and you can go directly to the insurance platform or insurance company when you are in danger. Who should I go to for this insurance from my credit card?
Don't get the wrong number, you should call Zhong Min Insurance Network!
Please call the 7*24-hour service hotline of China Insurance Network as soon as possible. Then you can do this:
(1) telephone claim process
①? After the accident, directly contact the 7*24-hour customer service hotline of China Insurance Network;
②? The Claims Commissioner of China Civil Insurance Network assists you to complete the preparation of claims information;
③? The Claims Commissioner of China Civil Insurance Network helps you to apply for claims from insurance companies through the green claims channel, and urges insurance companies to close the case as soon as possible;
④? The insurance company will pay compensation after approval.
In addition to calling the customer service hotline, you can also report the case by yourself in the official account of "China Insurance Network" WeChat:
(2) Online claim settlement process
①? Pay attention to the official account of China Insurance Network WeChat;
②? Enter the "Member Center-Claim-Self-help Claim", fill in the report information and upload the materials needed for claim (if necessary, the China Insurance Network Claims Commissioner will inform you to prepare paper materials as soon as possible);
③? The Claims Commissioner of China People's Insurance Network helps you to apply for claims from the insurance company through the green claims channel, and urges the insurance company to close the case as soon as possible. You can check the current claim progress in real time in the member center;
④? The insurance company will pay compensation after approval.
I hope the above answers can help you!