Bank of Communications Bank Credit Card Platinum Card has a starting limit of 50,000 yuan, with no upper limit. For high-limit bank cards, the application conditions are relatively strict and require a certain amount of assets. The basic annual fee for the Bank of Communications Platinum Master Card is 1,000 yuan, and the first-year annual fee is waived for 3 purchases of 168 yuan.

Advantages:

1. Health is in charge: family doctors on credit card platforms

On the whole, in response to the upgrade demand for domestic health services in the new market environment, This credit card launches a one-stop family health management service for cardholders. In addition to the unlimited 7*12-hour telephone doctor program for cardholders or their spouses and children during the validity period, it also provides convenient services such as green channels for medical treatment for major diseases.

It is worth noting that the family phone doctor will establish a health file for the cardholder's family, provide daily health consultation, medical advice, chronic disease management and many other health services, and even provide nutritional balance. Families in need of advice.

With reference to the popularity of family doctors abroad, the insufficient penetration rate of family doctor services in the domestic market and the reliance on public medical services not only perpetuate the problem of irrational use of medical resources, but also make many chronically ill people unable to Get effective prevention, treatment and attention.

The "Blue Book of China's Internet Chronic Disease Management Industry" shows that in 2019, there were 340 million patients with hypertension and heart disease***, 130 million patients with chronic kidney disease, 120 million patients with diabetes, hepatitis B and hepatitis C ***110 million people.

Chronic diseases seriously endanger residents’ lives and health. For example, deaths caused by cardiovascular diseases account for more than 40% of residents’ disease-related deaths. Chronic diseases such as diabetes, hypertension, and hepatitis B, like cardiovascular diseases, have high mortality and disability rates.

This situation is related to my country's special social environment and demographic environment. Due to the serious imbalance between supply and demand, it is difficult for family doctors to popularize traditional methods. However, with the development of the Internet, a large amount of evidence-based medical evidence has shown that Internet chronic disease management can help slow down the course of the disease, prevent complications, reduce patient mortality and disability rates, and can even achieve the effect of not affecting the patient's life.

The Rika Platinum Credit Card is a good attempt to set up a home phone doctor service for cardholders.

Cardholders can easily obtain corresponding services in the Ruika area through the Bank of Communications Credit Card APP "Pay Now". Taking the aforementioned family doctor service as an example, the cardholder will establish a user-specific health file after the first consultation, and will continue to record and maintain relevant files in subsequent consultations. Family doctors will provide healthy living guidance based on the daily life situations reported by customers, especially for the aforementioned chronic diseases such as hypertension and diabetes. They can assist in providing targeted management and consulting services to reduce the harm caused by chronic diseases.

2. Service upgrade: from health management to family insurance

In addition, Bank of Communications Ruika Platinum Card introduces the Internet insurance company Zhongan Online as an enabler of the insurance part. This further upgrades cardholders’ health protection.

It is reported that for customers holding Ruika Platinum Credit Card, during the insurance period, the cardholder, his spouse and children, as the insured persons of this product, suffered accidental injuries, and the accidental injuries resulted in death or death. For those who are disabled, insurance benefits will be paid based on the insurance amount and degree of disability, with a total insured amount of RMB 1.1 million per share per year.

Different from traditional family accident insurance, this time Bank of Communications Ruika Platinum Credit Card financial services have introduced an exclusive policy model, which upgrades one policy for each family member to all family members*** Enjoy one policy. Compared with the previous model where the insurance amount was fixed for each family member, the new model can make the distribution of the insurance amount more reasonable.

In addition, in response to the epidemic, ZhongAn Online has also included COVID-19 death and diagnosis allowance responsibilities in its accident insurance liabilities for the first time. If the cardholder is diagnosed with the new coronavirus for the first time and dies as a result of the disease, the cardholder can receive an insured amount of 50,000 yuan, and his spouse and children can receive an insured amount of 20,000 yuan and 10,000 yuan respectively; The cardholder, spouse and children can all receive an insured amount of RMB 1,000.

It is not unreasonable to upgrade insurance rights from a family perspective. In April 2020, a health security survey report of 300,000 families showed that anxiety about family health life has become one of people's main emotions.

The aforementioned Fudan University report also mentioned that one of the biggest changes in China’s insurance market during the epidemic is that the number of people over 30 years old purchasing insurance is increasing, especially those aged 40-60, which has also brought about another Trend - The concept of insuring family members is becoming more important, and consumers are choosing to purchase insurance for their families more.

From this perspective, the launch of Rika Platinum Credit Card directly addresses the "pain point".

As the health and financial steward of middle-class families, the design of Bank of Communications Ruika Platinum Credit Card is also very consistent with the concept of family, with the "pepper picture ring", the patron saint of families in traditional Chinese culture, as the main design element. The nine sons of the dragon in the "Jiao Tu" are quiet in nature, highly alert, and good at guarding the door. They are the family guardian totem in traditional Chinese culture. They are very closely related to the Chinese concept of relocating the land and emphasizing family life. This layer The profound meaning also coincides with the series of benefits that can be obtained by opening this card to better protect the family.

At the same time, the card surface uses platinum metal brushing technology, with colorful mother-of-pearl, gold-plated logos, gold-plated circles and other elements as the finishing touch, making the overall texture of the card both classic and cutting-edge. The layering is richer and three-dimensional, and the meaning of "pepper picture holding a ring" is interpreted more vividly.