What's the matter with China Merchants Bank calling to sell insurance?

If the phone number you receive is 4007 195555, this group is an outbound business group in China Merchants Bank Center (from 20 10 to 075526835999 to 4007 195555).

Is telephone insurance reliable?

First of all, you should make sure that this sales call is not from a regular insurance company. If so, the problem is not big, but I still suggest that it is more reliable to find a professional salesman to buy insurance for the following three reasons:

You can learn more about the products you are selling through the salesman's popular explanation, instead of being so vague on the phone, and it is difficult to see the insurance liability;

A professional salesperson can reasonably mix and match the products that really suit you according to your current specific situation, instead of recommending the products he wants to sell like telemarketing;

If there are risks or some after-sales business, the salesman will help you deal with it, so you will save time and worry!

It can be seen that there are too many disadvantages in telemarketing, but no matter which channel you choose to buy insurance, you must know some insurance knowledge in advance.

What should I pay attention to when insuring by telephone:

1. Because telemarketing insurance requires recording and archiving, there will be some questions during the call, so I suggest you answer them truthfully.

2. Sometimes salesmen don't talk about insurance, but they talk about deposits, which are actually insurance (note: this deposit slip is prohibited in the CBRC).

You will need some personal information to buy telemarketing insurance, and then someone will come and deliver the contract to you. If you have any questions when reading the contract carefully, please contact your sales staff in time.

Must-buy commercial insurance:

1. critical illness insurance

Critical illness insurance is a kind of payment insurance. When we get a serious illness as stipulated in the contract, the insurance company will pay a sum of money directly, whether it is used to treat the disease, make up for the loss of income or use it for other purposes.

2. Medical insurance

Medical insurance, like medical insurance, belongs to reimbursement insurance. How much does it cost to see a doctor first? The reimbursement should be based on the invoice, and the reimbursement should not exceed the actual cost.

Generally, priority is given to buying millions of medical insurance, because this kind of medical insurance is not limited by diseases and treatment methods, and even accidental hospitalization can be reimbursed.

Therefore, when the severity of the disease can't reach the critical illness standard and the critical illness insurance can't pay, we can use medical insurance to pay.