Cigna Insurance is one of the shareholders of China Merchants Cigna Insurance. Let's take a look at the detailed introduction ~
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. The father of these two insurance owners is pushing, and the confidence of China Merchants is naturally very hard!
Nevertheless, buying insurance is not a trivial matter, the key is to see whether the product is good or not. 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.
Jian Kang's critical illness insurance is a product that I will focus on next. Here is an article recommended to you. The evaluation contents of other products of China Merchants Cigna are here: Top Ten Insurance Companies' Hot Critical Illness Insurance Inventory!
Enjoy your health, okay? Let's look at a picture first:
As can be seen from the figure, this product has few advantages: except for some high-risk cancers, other guarantees are mediocre.
Let's look at its shortcomings:
1. Insufficient diseases: lack of high-risk items such as "coronary intervention and minimally invasive coronary artery bypass grafting" to fool consumers.
2. Pay 3 times for mild diseases with long interval: 35 kinds of mild diseases, pay 30%, and the interval between mild diseases is 365 days, with long interval.
3. No Chinese medicine: At present, most products on the market already contain Chinese medicine, which reduces the proportion of claims.
Considering the space problem, I won't go into details. I wrote more about enjoying health in this article: