Cigna & CMB vs 慧择保险网
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Cigna & CMB
This app offers online insurance and health management services. It provides smart advice, policy analysis, and personalized health services through innovative technologies like intelligent insurance advisors and health assessments.
- Online insurance services
- Health management services
- Smart insurance advisor
- Policy and coverage analysis
- Personalized health services
- Family policy management
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【Cigna & CMB】，Formerly known as 【Perfect Life】 招商信诺APP（原“完美人生”），是招商信诺人寿保险有限公司官方APP，为客户提供高效便捷的在线保险服务和健康管理服务。通过智能保顾、天玑视图、健康测评等创新技术，客户能够在平台上获得专业的投保建议，可视化的保单与保障分析，并收获个性化的健康管理服务！ 【保单服务】 可快速查询保单详情、保障责任及相关权益，随时随地进行保单信息变更、保单借还款、领取红利、领取生存金等。 【保单检视】 全方位保障缺口分析，为您家庭财务和未来规划护航。 【家庭保单管理】 父母、配偶、子女，全家风险保障一目了然，帮助完成家庭保障规划。 【健康管理】 关心你，不是说说而已。视频问诊、健康测评、健康档案为你提供定制化健康服务。 Note: 1、Continued use of GPS running in the background can dramatically decrease battery life.
慧择保险网
This app connects users with a wide range of insurance products from over 100 companies. It offers fast claims processing, including 1-day and 60-day advanced payment options, along with 24/7 customer support and personalized consultation.
- Access to 100+ insurance companies
- 1-day fast claims processing
- 60-day overdue claims advance payment
- 24/7 customer service
- 1-on-1 insurance consultant
- Assistance with claims
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【关于我们】 ◇公司优势 慧择控股在纳斯达克上市（股票代码：HUIZ），累计与全国150家+保险公司合作，累计服务投保客户1200万+。 【理赔无忧】 ◇小马理赔 - 1天闪赔 产品页面标记“小马闪赔”，且保险公司授权后，金额在3000元以内案件，责任无误材料齐全，1个工作日内即可快速垫付理赔款。 ◇小马理赔 - 60天超期垫付 符合条件的理赔案件，责任无误材料齐全，若保险公司收到完整理赔材料后60天仍未结案，慧择取得授权后可先行垫付理赔款。 ◇保险合同以保单载明为准。 【专业服务】 ◇7x24小时人机协同服务 专业客服团队全天在线提供咨询、投保、申请理赔协助服务。 ◇1对1专属保险咨询顾问 资深保险咨询顾问1对1指导，帮您轻松搞定测需求、挑保险、定方案，并可提供全程协助理赔服务。 【联系我们】 如有问题或建议，欢迎联系我们，服务热线：4006-366-366。 【温馨提示】 投保有风险，选择需谨慎
Screenshots
Verdict
The clearest difference is review sentiment: 慧择保险网 at 100% against Cigna & CMB's 20%. 慧择保险网 also leads on rating (5.0 vs 1.8). Cigna & CMB's advantage is monetization model (free vs ad-supported) and ratings volume (9 vs 3). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
慧择保险网 holds the better App Store score, 5.0 against 1.8. Both are backed by a comparable volume of ratings — 9 and 3 respectively. Written reviews point the same way: 20% of Cigna & CMB's written reviews are positive against 100% of 慧择保险网's.
Cigna & CMB ships an update monthly, 慧择保险网 fortnightly. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.
| Parameter | Cigna & CMB | 慧择保险网 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (9 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 20.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 9 — better | 3 |
| Update frequency | Monthly | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 173 MB | 72 MB |
| Age rating | 4+ | 17+ |
| Developer | 招商信诺人寿保险有限公司 | SHENZHEN WISE CHOICE INSURANCE BROKER COMPANY LIMITED |
Customer experience
Cigna & CMB
慧择保险网
In-app purchases
Cigna & CMB
No in-app purchases
慧择保险网
No in-app purchases
