Advantages:
First, health is power: the family doctor on the credit card platform
Generally speaking, in order to meet the upgrading needs of domestic health services in the new market environment, credit cards provide cardholders with one-stop family health management services. In addition to providing cardholders or their spouses and children with an unlimited telephone doctor plan of 7* 12 hours within the validity period, it also provides convenient services such as green access to medical treatment for major diseases.
It is worth noting that the family telephone doctor will establish health records for the cardholder's family, provide daily health consultation, medical advice, chronic disease management and other health services, and even provide suggestions for families in need in terms of nutritional balance.
Referring to the popularity of family doctors abroad, the lack of penetration of family doctor services in the domestic market and the dependence on public medical services not only make the unreasonable use of medical resources exist for a long time, but also make many patients with chronic diseases unable to get effective prevention, treatment and attention.
The Blue Book of Internet Chronic Disease Management Industry in China shows that in 20 19 years, there were 340 million patients with hypertension and heart disease, 0/300,000 patients with chronic kidney disease, 0/200,000 patients with diabetes, and 0/0/0 million patients with hepatitis B and hepatitis C.
Chronic diseases seriously endanger the lives and health of residents. For example, deaths caused by cardiovascular diseases account for more than 40% of residents' disease deaths. Chronic diseases such as diabetes, hypertension and hepatitis B, like cardiovascular diseases, have high mortality and disability rates.
This situation is related to China's special social environment and population environment. Due to the serious imbalance between supply and demand, it is difficult for family doctors to popularize by traditional methods. However, with the development of the Internet, there has been a lot of evidence-based medical evidence that Internet chronic disease management can help to slow down the course of disease, prevent complications, reduce the mortality and disability rate of patients, and even achieve the effect of not affecting patients' lives.
It is a good attempt to set up a family telephone doctor service for Leica Platinum credit card holders.
Cardholders can easily get the corresponding services in Ruika by "paying the bill" through the Bank of Communications Credit Card APP. Taking the aforementioned family doctor service as an example, the cardholder will establish a user-specific health file after the first visit, and will continue to record and maintain relevant files during subsequent visits. Family doctors will provide healthy life guidance according to the normal life feedback from customers, especially for the aforementioned chronic diseases such as hypertension and diabetes, and can help provide targeted management and consulting services to reduce the harm caused by chronic diseases.
Second, service upgrade: from health management to family insurance
In addition, Bank of Communications Ruika Platinum Card introduced Zhongan Online, an Internet insurance company, as the insurance part enabler, further upgrading the health protection of cardholders.
It is reported that the cardholders, spouses and children of customers with platinum credit cards suffer accidental injuries during the insurance period, and if the accidental injuries lead to death or disability, insurance benefits will be paid according to the insured amount and degree of disability, with a total insured amount of RMB 654.38+065.438+ 10,000 yuan/copy.
Different from the traditional family accident insurance, the Bank of Communications introduced the * * * policy sharing model in the financial service of the platinum card of the credit card, and upgraded one policy for each family member to one policy for all family members. Compared with the previous model, the new model can make the distribution of insurance coverage more reasonable.
In addition, in response to the epidemic situation, Zhongan Online also included the responsibility of new crown death and diagnosis allowance into accident insurance responsibility for the first time. If the cardholder is diagnosed as novel coronavirus for the first time and dies of the disease, the cardholder can get 50,000 yuan, and his spouse and children can get 20,000 yuan and 1 10,000 yuan respectively; If novel coronavirus is diagnosed, the cardholder, his/her spouse and children can get the insurance coverage of 0. 1.0000 yuan.
It makes sense to upgrade insurance rights from the perspective of family. In April, 2020, a health care survey report for 300,000 families showed that anxiety about healthy family life became 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 period was that the number of people over 30 years old who bought insurance was increasing, especially those aged 40-60, which also brought another trend-the concept of insuring their families was heavier, and consumers chose to buy insurance for their families more.
From this point of view, the launch of the credit card Platinum Card directly hits the "pain point".
As the health financial manager of middle-class families, the design of Bank of Communications Ruika Platinum Credit Card also conforms to the family concept, with "pepper map title ring" as the main design element. The ninth son of "Jiaotu" dragon is quiet, alert and good at guarding the door. It is a family guardian totem in China traditional culture, which is closely related to China's idea of resettlement in different places and attaching importance to family life. This profound meaning coincides with a series of rights and interests that can be better protected by opening this card.
At the same time, the card surface is drawn with platinum metal, and the colorful mother shell, vertical gold logo, vertical gold ring and other elements are the finishing touch, which makes the overall texture of the card both classical and cutting-edge, and the layering of the card surface is richer and more three-dimensional, which gives a more vivid interpretation of the meaning of "pepper map".