China is the only country with nearly 200 million senior citizens above 60 in the world. With the increasing population of senior citizens, we have come into the aging society. It becomes a hot topic among most middle-aged and elderly people now to seek diversified elderly supports so as to ensure that the elderly are honored for their special place in the family and loved in the way they have loved us.
Half year ago, Ms Wang at the age of 65 had its right little finger fractured and she received the nail-locking operation in a hospital. But unexpectedly, an accident occurred in the process of anaesthesia, leading her right arm to become nearly paralyzed after the operation. With regard to the liability and compensation, Ms Wang's family and the hospital stuck to their own arguments, and no result has been achieved. Ms Wang felt very distressed. Once, she talked with neighbors and learned the story of a senior citizen. He was enticed by someone to buy a false health care product at a high price. Finally, he settled the dispute via the value-added legal service provided by the “Enjoyable Life” integrated financial solution of Industrial Bank (IB). The merchant not only refunded him fully but also made compensation.
Hence, Ms Wang decided to have a try and went to IB consulting about her case. The hall manager told her that the “Enjoyable Life” integrated financial solution released by IB combined “product customization, health management, legal consultant, and assets guarantee” and it was an integrated financial product customized for the elderly customers. The service of legal consultant could provide customers with daily legal risk reminder and 24h telephone consulting service with professional lawyers and customers might ask lawyers to draft various legal instruments. The solution could help the senior citizens to solve legal problems encountered in their daily life.
Ms Wang applied for the business soon, and consulted a local lawyer who was good at handling medical disputes via the bank's customer service hotline “ 95561”. With the instruction and help of the lawyer, she settled the dispute with the hospital properly.
The greatest feature of the “Enjoyable Life” program of IB lies in that it does not merely provide a single financial product or service, but rather an integrated value-added service solution. The elderly generally have a lower resistance to risks, so their primary purpose of investment and wealth management is to “maintain value steadily”. The program can provide customized financial products according to the fund needs and wealth management habits of the senior citizens.
Moreover, the “Enjoyable Life” program also provides the elderly customers with such value-added medical services as well-chosen physical examination package, register and appointment with expert, medical service guiding all the way, accompany nursing all the way, and arrangement of hospitalization/surgical operation, mail health-related books for free, and hold lectures on health knowledge to improve the awareness of health care among the senior citizens. In collaboration with a well-known insurance company at home, the bank also provides customers with schemes for purchasing family property insurance and personal accident insurance so that the elderly citizens can make their life better guaranteed in the process of wealth management, and enjoy a “considerate, happy, care-free and assured” late life.
The “Enjoyable Life” integrated financial solution of IB is an innovative leading product in the area of retailing business. Up to now, it has been promoted in 21 provinces and municipalities directly under the central government, built such platforms for giving lectures on health knowledge, legal knowledge, and financial knowledge in major cities, and launched a variety of activities in cooperation with universities for senior citizens, communities and sub-districts, winning great popularity in the market. With the product, the bank has improved the level of services provided by the banking industry to the senior citizens, and created a new situation for financial services in the aging society.