Is the insurance that comes with Ping An Bank’s credit card free of charge?
Yes, the insurance benefits that come with Ping An’s credit card are free of charge. Different types of credit cards have different insurance benefits. Different, such as traffic accident insurance, aviation accident insurance, online consumption theft insurance, etc., you can log in to the Ping An Pocket Bank APP-Credit Card-More-My Rights to check your card rights and understand the insurance details.
If you have any questions, you can click the link below and select the online customer service icon - credit card in the upper right corner of the homepage or follow the Ping An Bank Credit Card WeChat public account (paxyk95511) for consultation.
Response time: 2020-08-18. For the latest business changes, please refer to the official website of Ping An Bank.
[Ping An Car Owner Loan] You can get a loan if you own a car, up to 500,000
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Get a Ping An Bank credit card What are the specific protections of accident insurance
1. Accidental injury
The main liability of accident insurance is accidental injury. If the insured suffers accidental injury during the insurance period and leads to death/ In case of disability, the insurance company will pay the corresponding accidental death/disability insurance benefit in one lump sum.
In general, 100% of the basic insured amount will be paid for death, while the proportion of disability compensation depends on the level of disability, as follows:
As you can see, the disability benefit is one** *Divided into ten levels, the insurance company will pay 100%-10% of the insured amount in varying proportions for disability levels 1-10.
2. Accidental medical treatment
Most accident insurance on the market will include accidental medical coverage, because the insured is likely to need hospitalization for accidental injuries.
Accidental medical insurance can usually provide consumers with an insurance coverage equivalent to small medical insurance to reimburse medical expenses incurred for hospitalization due to accidental injuries.
In addition to accidental injury and accidental medical protection, many accident insurances can also provide consumers with specific traffic accident and sudden death protection, providing more comprehensive protection.
Extended reading: "What does accident insurance include?" 》
Ping An Bank Car Owners Credit Card - Does the bonus insurance conflict with other insurances?
The insurance included with Ping An Bank’s car owner credit card is accident insurance for all vehicle occupants, including accidental injury and accidental injury medical treatment. Accidental injury does not conflict with other insurances, but accidental injury medical care does.
Accidental injury refers to death or disability caused by an accident while driving. The insurance company pays a certain amount, which has nothing to do with the cost of treatment.
Accidental injury medical treatment refers to the disability caused by an accident while driving. The insurance company will pay a certain proportion of the cost of treatment. The compensation for this kind of insurance premium adopts the "compensation principle", that is, the total compensation received by the insured from all insurance companies shall not exceed the total cost of treatment, also known as "loss compensation".
Extended information:
Ping An Bank car owner credit card customers only need to activate the card and swipe it once to make a purchase, with no limit on the amount. Starting from 0:00 on the day after the first purchase date, you will receive accident insurance for all vehicle occupants. The coverage includes driver accident insurance with a maximum insured amount of RMB 500,000, passenger accident insurance of RMB 100,000 for each person in the same vehicle, and accident insurance for all vehicle occupants for each person in the vehicle. Accidental medical treatment of RMB 4,000 per person (including driver).
RMB 500,000/person for accidental injuries suffered by the main insured while driving
RMB 4,000/person for medical treatment for accidental injuries incurred while driving
Accidents incurred by the joint insured while driving 100,000 yuan/person for injuries
4,000 yuan/person for medical treatment for accidental injuries while riding
Notes
1. The vehicle must be driven by the Ping An Owner Card holder Only then can you enjoy accident insurance for all vehicle occupants;
2. The vehicle you drive must be a non-commercial private passenger vehicle (seven seats or less), excluding public vehicles, freight vehicles, and passenger and freight vehicles. , the number of motorcycles;
3. If the number of people on the vehicle exceeds the maximum number of passengers approved by the above-mentioned vehicle, all passengers in the same vehicle will not enjoy this insurance;
4. Free accidental medical treatment The compensation amount is RMB 100 per time (excluding partial self-pay and full self-pay medical expenses and drug costs stipulated by the local social basic medical insurance authority);
5. During the period when the main insured is driving the vehicle In the event of a bicycle accident, the insurer will pay the insurance benefit at a 10% accidental death/accidental disability ratio;
6. While the main insured was driving the vehicle, the accident occurred due to violation of road traffic safety laws and regulations, such as If the traffic police department has clearly determined the accident liability ratio, the insurer will pay the insurance premium according to (100% - accident liability ratio) accidental death/accidental disability insurance benefit. If the accident liability ratio is not clearly defined, the claim will be settled according to the following ratio: < /p>
Proportion of responsibility type
10% responsible for all tasks
30% responsible for main responsibility
50% responsible for equal responsibility
Secondary liability 70%
No liability 100%
Reference materials:
Ping An Bank - Car owner's credit card - Accident insurance details for all vehicle personnel< /p>
Ping An Car Owner Credit Card Insurance Content
Ping An Car Owner Card is divided into two levels: Gold Card and Platinum Card. The insurance coverage of Ping An Car Owner Card Gold Card is the first time the cardholder swipes the card. From now on, you can get full vehicle accident protection of up to 1.1 million yuan. Accident coverage of 1.1 million yuan for all vehicle personnel specifically includes:
1. Driver accident coverage up to 500,000 yuan
2. Accident coverage for passengers in the same vehicle up to 100,000 yuan/person (6 people)
3. All persons in the vehicle are covered by up to 4,000 yuan/person medical insurance against driving accidents
The insurance coverage of the Ping An Car Owner Card Platinum Card is that the cardholder’s first swipe From the next day, you can get full vehicle accident protection up to 2.2 million yuan. The 2.2 million yuan accident protection specifically includes:
1. Driver accident protection up to 1 million yuan
2. A maximum of 200,000 yuan/person in accidental accident insurance for passengers in the same car (6 people)
3. A maximum of 4,000 yuan/person in driving accident medical insurance for all persons in the vehicle
It is worth noting Yes, full vehicle accident coverage is limited to vehicles driven by the cardholder himself. The insurance coverage ratio is related to the type of liability confirmed by the car owner in the traffic accident. The specific insurance compensation amount is subject to the approval of the insurance company.
Ping An Bank’s Car Owners Credit Card (CreditCard) is Shenzhen Ping An Bank’s first credit card product specially designed to meet the card needs of private car owners.
Ping An Bank’s car owner credit card has special features such as comprehensive driving protection, thoughtful rescue protection, strong card loss protection, and double points for swiping the card to refuel.
Card Features
As a bank credit card business under Ping An Insurance Group of China, this card not only inherits the powerful account core of Ping An Credit Card’s “full protection of consumption losses within 72 hours before reporting loss” Security system.
Ping An Bank’s car owner credit card can provide car owners with more services in many aspects, such as insurance claims, on-site rescue, etc. As people increase their private cars, more and more banks have begun to provide private car owners with more services. To provide more financial services, Ping An Bank’s car owner credit card is a typical example.
Ping An Bank’s car owner credit card offers more discounts for the automotive industry. For example, car owners can enjoy certain discounts when refueling. When accumulated, this kind of discount is also a considerable expense.
Similar to other credit cards, the Ping An Bank Car Owners Credit Card can also provide services such as cash advance and advance consumption. The repayment method will be more flexible and convenient, not only through Ping An Bank Car Owners Credit Card outlets and bank outlets, but also through Through other repayment methods such as bank transfer and Alipay transfer, these multi-functional methods allow car owners to enjoy more convenience in life and work while enjoying the driving pleasure of their car.
Application Conditions
Any natural person who is over 20 years old, has full capacity for civil conduct, has a stable and legal source of income, and has a good reputation can apply with his/her valid identity document and card issuance Other documents required by the institution are required to apply for the main credit card personal card from the card issuer.
The primary cardholder of a personal card can apply for supplementary cards for other qualified natural persons. The principal cardholder is fully responsible for repaying the debts incurred under the principal card and supplementary cards. Supplementary cardholders are jointly and severally liable for the debts incurred under the principal card and supplementary cards.
This is the end of the introduction about the insurance provided by Ping An Credit Card and the credit card provided by Ping An Insurance when purchasing insurance. I wonder if you found the information you need?