I have savings and don't need to borrow money, but still need a credit card for those payments that can't be made otherwise: primarily car rental and some online purchases. I've noticed that many credit cards are associated with insurance services. Why are those products (that are frankly quite distinct) linked? And as a customer, is it good for me to buy credit card + insurance as a linked product, or to take a "no-quirks" credit card and buy insurance separately?
(the only relevant insurance I'm really interested in is one for emergency medical expenses abroad. At the same time, this seems to be included only in the most expensive plan)