2016 five claims cases

　　50-year-old Mr. A operated a private enterprise. Unfortunately, in February 2016, he died of a rear-end vehicle accident. It happened so fast and brought big sadness to his family.
　　Fortunately, Mr. A had a sense of risk ahead of the time. In March 2013, he got himself Risk A&H insurance through Cigna & CMB’s telemarketing channel and made his wife the beneficiary. After receiving the claim of Mrs. A, Cigna & CMB paid 4.2 million yuan in accordance to the contract.

　　Guarding you all the way and watching your sweet smile, that’s my permanent commitment. Even one day, I myself am incapable to protect you, you will still have my insurance policy to extend my protection for you and take care of you for the rest of your life. With this insurance, Mr. A demonstrated the essence of "never be apart".
　　We can never predict the arrival of the unexpected accident and who will take care of our spouse, children and parents for us when misfortune comes to us? It is true that money can not make up for the pain of losing our beloved ones, but to a certain extent, it can comfort our beloved ones and give them more courage to move on. As the backbone of the family, young people who are between 31 to 50 should have enough accidental injury protection, life insurance, and traffic accident insurance.

　　In early March 2016, the spring was still cold. Outside the examining room of a hospital’s tumor center stood Ms. B, she was over 40 years old and looked somber, holding a report in her hand, on which impressively read "thyroid cancer".
　　Fortunately, in December 2009 Ms. B got herself a Major disease insurance through Cigna & CMB’s Bancassurance channel (with a coverage of 1 million yuan). Ms. B submitted a claim application and Cigna & CMB paid one million yuan.

　　Xiao Nuo believes that the money can greatly reduce both the burden of her family and her psychological burden, enabling her to focus on her treatment and enhancing her confidence to overcome the disease.
　　Many people do not understand why they meet cancer without any signs? In fact, critical illness is very close to us. Although insurance can't let us get away from illness, it can turn into a large amount of money when we encounter such undesirable things, allowing us to focus on the treatment and protecting the life of our family from being changed after the misfortune happens.

　　Mr. Zhang is in his thirties, working in a passenger transport company, his wife is an ordinary employee of a company. In October 2015, something unexpected happened. Mr. C was hit by a car when he was crossing the Pedestrian crossing. After being treated for half a year, he was still in a coma, which the doctor diagnosed as "acute internal open craniocerebral injury (heavy)", and was in a vegetative state. In June 2016, he was determined to grade 1 disability degree.
　　Fortunately, Mr. C insured himself of the death and disability insurance through Cigna & CMB telemarketing channel in February 2007. After receiving the claim of Mrs. C, Cigna & CMB paid 490,600 yuan in accordance to the contract.

　　 Life is full of change. When misfortune happens to us or when we get heavy disease, maybe some people will say, give up. That’s not what will happen. How can your family give you up? They won’t give up even when there is only a tiny bit of hope, this is care and this is love! As a backbone of the family’s economy, a 31-50 year-old man should have enough coverage of accident protection and life insurance, allowing himself and his family to deal with the unexpected risk more calmly when it comes.

　　Uncle Ding is a retired employee, and he is in his fifties. In January 2016, when he was sawing the branches at home, he accidently cut his finger. The doctor said he had an open fracture of the left phalanx and needed to be hospitalized and receive surgery.
　　Fortunately, uncle Ding has got himself the death and disability insurance by Cigna & CMB’s telemarketing channel since July 2008. A month later, uncle Ding left hospital, Cigna & CMB paid 86, 300 yuan in accordance to the contract.

　　In daily life, the elderly suffer higher probability of accidental injury than that in the adult population, especially the damage of accidental injuries, fall injuries, traffic accidents, fire, etc. these accidents do larger harm to the elderly. Retired people might as well get yourself an accident and health insurance to reduce the dependency and burden to your children when the risks happen. Children of filial piety should also get your elderly parents an accident insurance and health insurance so that they can feel more contented in their further life, giving them a happy and peaceful "sunset red".

　　Mr. E, over 30 years old, is an ordinary villager of Shandong Province. He has elderly parents and a daughter who is still a student. In November 2016, Mr. E fell from a electrocar and hurt his head. Unfortunately he died from the injuries in the hospital.
　　Fortunately, he got himself critical illness insurance in July 2014 and March 2015 through Cigna & CMB’s telemarketing channel. After receiving his family’s claim, the claim department of Cigna & CMB immediately sent staffs to visit his family, guiding them to proceed the subsequent claims and timely paying 200 thousand yuan. After receiving the money, his family sent Cigna & CMB a silk banner writing "warm service, as good as gold" on it.

　　Accident comes so suddenly, leaving us unprepared. A car accident took the backbone of this family overnight, how would the elderly and the daughter survive? But this 200 thousand yuan of compensation can allow the child to complete her study and make this family survive. However, such protection is not enough to face this kind of sudden disaster. What is risk? What we can't afford is risk! The period between 30 years old to 50 years old is the golden period of a person, as a mainstay of the family, it is necessary to have a comprehensive and adequate insurance, and it will allow you to act more calm in the face of potential risk in the future and the big loss it might bring to your family.