Eighty percent of medical expenses can be reimbursed only for hospitalization, but not for medicines. There is no compulsory medical insurance requirement when applying for a Bank of Communications credit card. The application materials are as follows: 1. Identity certificate: usually an ID card. Soldiers need to provide a copy of their military ID card; 2. Work certificate: it can be the original work certificate issued by the unit where you work, or the work certificate that has been verified by the promoter and marked on the original. A copy of the license plate; 3. Proof of financial resources: it can be a bank salary record, an income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments, etc. that can prove your financial level; 4. Social security records in the past 6 months Insurance personal account list, water and gas bills, credit card bills from other banks, etc. ① There is a grace period for Bank of Communications credit cards. If the repayment date is exceeded but the payment is successful before the end of the grace period, it will be regarded as normal repayment and not overdue. ②Huimin Medical Treatment is a digital credit payment product customized by Bank of Communications for my country’s insured residents. Through the "credit + senseless" payment method, patients do not need to queue up at the window to pay. They only need to use Huimin Medical Treatment at the hospital's self-service machine or the hospital's online payment platform to directly complete the payment process for various medical services, eliminating the need for Queuing time, seek medical treatment first and pay later. Financial inclusion products designed to improve the efficiency of residents' medical services can also help medical institutions improve operational efficiency, solve difficulties and blockages in the medical service process, and reduce operating costs. ③As a financial inclusion product, Huimin Medical Treatment can meet the medical payment needs of most citizens. Anyone who is over 18 years old and has a good credit record in Shanghai Medical Insurance, regardless of whether they have a Bank of Communications debit card or not, can apply for Huimin Medical Treatment. Citizens who successfully open it will be granted a special medical quota of no less than 5,000 yuan. , used to pay for out-of-pocket medical expenses, and patients can repay after completing medical treatment.

④The product model of benefiting people’s medical treatment has opened up a new digital customer acquisition channel for Bank of Communications, which is of great significance to Bank of Communications’ digital transformation and scene ecological construction, and is also conducive to further enhancing Bank of Communications’ competitive advantages in the field of public services.