What is Bank of China credit card insurance?

Bank of China credit card insurance is a corresponding insurance service that cardholders can obtain if they meet the consumption conditions, including public transportation accident insurance (airplane, train, ship, automobile), flight delay insurance, and aviation baggage loss Insurance, lost card theft insurance (72 hours before reporting loss), shopping protection insurance.

The above content is for your reference, please refer to actual business regulations.

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There are several types of Ping An credit cards

Ping An’s credit cards are mainly divided into four types: Golden Butler Co-branded Card, Car Owner Credit Card, Insurance Gold Card, and Platinum Credit Card.

1. Golden Butler Co-branded Card

Limited annual fee: quota 3,000 to 50,000; annual fee 288 yuan, rigidly charged in the first year, free of charge if consumption exceeds 30,000 in the first year Annual fee, and so on;

2. Car owner’s credit card

With this card, you can save 3,800 yuan a year. The passengers on the vehicle are insured for RMB 1.1 million, including accident insurance of RMB 500,000 for the driver, RMB 100,000 seat insurance for each person in the same car with less than 7 seats, and accidental medical treatment of RMB 4,000 per person. 30-kilometer road rescue, water delivery, and electricity connection. Towing and changing tires.

3. Insurance gold card

With this card, you will have multiple accident protections. Travel guarantee: RMB 1 million for airplane. 200,000 for trains, light rails, subways, ships, 50,000 for cars, and 50,000 for general accidental injuries. General accidental medical treatment is 5,000 yuan, with a deductible of 300 yuan, a reimbursement of 80 yuan for more than 300 yuan, and a one-day hospitalization subsidy of 30 yuan, with a maximum of 30 days at a time and no more than 180 days in the year.

4. Platinum Credit Card

Have this card’s exclusive privileges and extraordinary enjoyment. Aviation insurance is RMB 10 million, spouse traveling with him is RMB 2.5 million, and children traveling with him are RMB 100,000. Train, light rail, subway 2 million, bus 1 million, self-driving car 400,000, seat insurance per person 100,000.

Extended information

Application conditions:

Any natural person who is over 18 years old, has full capacity for civil conduct, has a stable and legal source of income, and has a good reputation , you can apply for a personal credit card master card from the card issuer with your valid identity document and other documents required by the card issuer.

The primary cardholder of a personal card can apply for supplementary cards for other qualified natural persons. The principal cardholder is fully responsible for repaying the debts incurred under the principal card and supplementary cards. Supplementary cardholders are jointly and severally liable for the debts incurred under the principal card and supplementary cards.

Baidu Encyclopedia-Ping An Credit Card

What are the free insurance credit cards?

Which bank credit cards provide insurance

1. The most comprehensive protection - Bank of Communications Bai Qilin

Bank of Communications and American Asia Insurance cooperate to provide every Bai Qilin In addition to providing rail transit accident insurance worth RMB 1 million, cardholders are also provided with many aspects such as baggage loss, theft of travel documents, trip shortening, trip cancellation, etc. It can be said that Bank of Communications Bai Qilin's insurance covers all aspects. In addition to the two items listed above, it also includes coverage for accidental medical and other common occurrences.

2. The broadest protection group - CITIC Credit Card

Compared with other banks that only provide corresponding insurance services to high-end cardholders, CITIC Bank’s insurance should cover all More comprehensive.

All CITIC credit cards (except Blue Card and Business Card) provide cardholders with accidental medical rescue insurance. The coverage amount for Gold Card is 5,000 yuan, and the coverage amount for Platinum Card and above is 10,000 yuan.

3. Baggage delay and loss insurance

If your checked baggage is delayed or lost while taking a flight, you can get a claim. Each company is different, starting from 300 for 3 hours. There are people who can accompany you for 500 to 6 hours.

The following credit cards provide the above services: Pudong Development Bank AE Platinum Card, Industrial Platinum Credit Card, and Industrial and Commercial Bank of China Peony Platinum Card.

Do all Ping An credit cards come with insurance?

Not all Ping An credit cards come with insurance.

Ping An Bank has launched different types of cards according to the different card needs of customers. Some credit cards come with corresponding insurance. Currently, the credit cards that come with insurance are:

1. Ping An Insurance Credit Card: You can enjoy comprehensive public transportation accident protection and home safety insurance and gas accident insurance;

2 , Ping An Car Owners Credit Card: Roadside assistance within 30 kilometers, double points for refueling by swiping the card, accident insurance for all vehicle personnel, etc.

The insurance items included in Ping An’s standard credit cards are free and take effect on the next day after the card is successfully swiped once. The insurance provided by Ping An Bank's standard credit card is a cooperation between the bank and the insurance company. It provides traffic accident insurance. Once the credit card holder has a corresponding insurance accident, the insurance company also needs to bear the corresponding compensation or compensation. Obligation to pay.

Insurance companies bear compensation or payment obligations because China currently implements a strict financial separation operation and separation supervision system. Ping An Bank itself has no right to operate insurance business. Ping An is currently a large financial group. Below are Ping An Bank and Ping An Insurance. The former operates banking business but has no right to operate insurance business. The latter operates life insurance business but has no right to operate banking business. The insurance launched by Ping An Credit Card should be a cooperation between Ping An Bank and Ping An Insurance. .

That’s it for the introduction of credit cards with insurance.