What are the procedures for surrendering Taikang Life and what do I bring?

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Taikang Life generally has the following process for surrendering the policy:

If you want to return as much as possible, you must see the following strategy.

Documents to be prepared for surrender:

Application for cancellation of insurance contract.

Identity document of the policyholder.

A copy of the passbook of the personal bank settlement account in the name of the policyholder.

Policy (not required for refundable riders or e-policies).

Invoices for the first instalment of insurance premiums.

Some friends don't pay attention to buying insurance, and always buy it casually, but then they want to surrender the insurance for various reasons. If you don't know the knowledge of surrender, you can read this article to learnHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Under normal circumstances, you will not get back the full amount of the premium paid if you surrender the policy, except in two cases:

1.Cooling-off period surrender:Usually there will be a hesitation period after buying insurance, and the length of the hesitation period is generally about 10-15.

2.Sales misleading:If the insurance contract is signed under the misleading of the salesman, it is very likely that the signature in the insurance contract that makes the contract effective is not signed by the person, and it is very likely that you will get back all the money.

If there will be a certain degree of loss outside of these two cases, we should choose a way to reduce economic losses at this time, such as choosing to reduce the amount of payment:

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

This is more cost-effective than surrendering, but it should be noted that not everyone can handle insurance in this way, and you need to confirm with the insurance company to know if you can handle it this way.

In addition,These situations are also critical for surrender:

It is best to choose the time to withdraw the insurance after the waiting period of the new insurance has passed, so that the coverage will not be interrupted.

2.Health Status:If the health is not as good as before, it is possible that the health of the new insurance cannot inform this situation, and surrender is not the first choice for this group of people.

3.Payment card balance:After you decide to surrender the policy, it is recommended not to deposit money in the card where the premium is paid, and the remaining money will be withdrawn first, if the policy is not successfully surrendered, it is likely to be deducted when the payment period is up.

This is just a few of the precautions, there are many things to pay attention to, it is not convenient to talk about it here, here is to share with you a very comprehensive article, interested can be collectedWhat are the details to pay attention to when surrendering an insurance policy? Hope!

The policyholder can get a refund from the insurance company with the policy and identity, and the money will reach your account in about a few working days.

I paid it in 17 years, I paid 30,000 yuan a year, I paid it for three years, and I returned 20,000, and I really lost it

Bring ID card, insurance contract.

If your **person is a good **person**, you can write a power of attorney and call **person to help get it done.

Insurance policy, ID card (of the policyholder) and a letter of attorney from the policyholder or (must be signed by the policyholder). Upstairs is right, there's nothing inherently wrong with insurance, it's just whether you need it or not.

Just bring your ID card and policy booklet to the insurance company and fill out the surrender application form. Or call their service directly **95522 and ask them to come to the door. Therefore, there is no good insurance, only the right insurance for yourself.

Before signing for the insurance application, you must think about whether this is the insurance you need.

Surrender refers to the release of the legal relationship determined by the contract between the two parties upon the application of the policyholder and the insured, and the consent of the insurer when the insurance contract is not fully performed, and the insurer returns the cash value of the insurance policy in accordance with the Insurance Law of the People's Republic of China and the contract. During the policy period, the policyholder can apply for surrender of the policy.

1. What is the surrender process of Taikang Life Insurance?

Taikang Insurance Company cannot surrender the policy online. You can surrender the policy directly at the branch of Taikang Insurance Company.

If you want to surrender the policy, you can call the customer service of Taikang Insurance Company and prepare relevant materials according to the information provided by the customer service: insurance contract, personal ID card, insurance premium payment certificate, etc., and the specific materials should be provided according to the requirements of the insurance company's customer service.

However, you can only get a full refund during the cooling-off period, after which you will lose a certain amount of money, so think about it when you buy.

Application process: prepare the insurance policy, the original ID card of the policyholder, and the bank card;

Go to the insurance company's outlets;

Submit documents and go through the review;

After the review, the insurance company will transfer the refund to the bank card.

2. Surrender

The policyholder's application for surrender is divided into the following:

During the hesitation period, the insurance company will deduct the cost of the insurance policy of 10 yuan and refund the full amount to your account.

2. Surrender beyond the cooling-off period will be regarded as normal surrender.

3. If the premium payment is less than two years, the insurer shall refund the remaining part to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge.

4. If the contract has been in force for two years, the insurance company will refund the cash value of the policy after receiving the surrender application.

The following documents must be provided at the time of surrender:

1) The application form of the policyholder, if the insured requests to surrender the insurance, the application for surrender of the insurance with the written consent of the policyholder shall be provided;

2) A valid insurance contract and proof of the last payment;

3) Proof of identity of the policyholder;

4) If the application is entrusted to another person, the power of attorney of the policyholder and the ID card of the principal shall be provided.

You can surrender the policy directly at the branch of Taikang Insurance Company.

The policyholder's application for surrender is divided into the following:

First, the insurance company within the 10-day hesitation period will deduct the cost of the insurance policy and refund the full amount to your account, and second, the surrender of the policy beyond the hesitation period will be regarded as a normal surrender.

At present, the life insurance business in the insurance market is becoming more and more difficult to do, and it is a recognized fact that it is difficult for people to buy suitable life insurance products, which directly leads to the high surrender rate of life insurance in the insurance market.

The reality of the life insurance market is that the number of life insurance products is increasing, but there are very few marketable, the growth rate is very fast, but the development mode is extensive, the market competition is very fierce, but the level of competition is very low, the life insurance industry deviates from the expectations of the people, deviates from the value of the industry, and deceives you of the mission of the industry.

The hesitation period can be refunded in full, and the hesitation period is that there is a receipt that needs to be signed under the policy, and dozens of days after getting the contract and signing the receipt is the hesitation period. To handle the surrender of the policy, bring the original ID card, bank account, and insurance policy of the policyholder, and go to the company to collect the application for cancellation of the insurance contract and fill it out truthfully.

We need to contact the relevant personnel, and we should also bring the relevant information before surrendering the policy, and all the money may not be returned after the surrender.

You should take out your insurance contract, insurance agreement, and your ID card and household registration book to the local Taikang Life Insurance front desk to handle it.

Taikang Life can surrender the policy at the business outlets of Taikang Insurance Company.

The specific process is as follows:

1. Prepare the insurance policy, the original ID card of the policyholder, and the bank card;

2. Go to the outlets of the insurance company;

3. Submit documents and go through review;

4. After the review, the insurance company will refund the bank card.

The policyholder's application for surrender is divided into the following situations:

During the hesitation period, the insurance company will deduct the production cost of the insurance policy of 10 yuan and refund the full amount to the account;

2. Surrender beyond the cooling-off period will be regarded as normal surrender.

3. If the premium payment is less than two years, the insurer shall refund the remaining part to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge.

4. If the contract has been in force for two years, the insurance company will refund the cash value of the policy after receiving the surrender application.

The surrender process of Taikang Insurance is as follows:

2. Bring the surrender materials to Taikang Life Insurance Company to go through the surrender procedures, and the required materials generally include the insurance policy, premium payment certificate, application for termination of insurance contract, etc.;

3. The staff of the insurance company will assist the pants to go through the surrender procedures, and the insurance company will return the surrender money to the policyholder at the agreed time after the surrender materials are approved.

The materials that need to be prepared for the surrender of Taikang Insurance are: the application form of the policyholder, if the insured requests to surrender the policy, the surrender application form agreed by the policyholder Hu Blind Kai in writing shall be provided; If the valid insurance contract and the last payment voucher, the identity certificate of the policyholder and the entrustment of another person to handle it, the power of attorney of the policyholder and the identity card of the principal shall be provided.

Summary. Hello, Taikang Life surrender can generally be handled in the following ways:1

Surrender by insurance salesman: The policyholder needs to contact the insurance salesman by himself, for example, you can call the customer service of Taikang Life Insurance Company to contact the insurance salesman, and then hand over the policy, a copy of the policyholder's ID card and bank card to the insurance salesman, who will handle the surrender procedures on his behalf; 2.The policyholder goes to the insurance company to surrender the policy on his own

Policyholders can bring their policies, ID cards and bank cards to Taikang Life Insurance Company's offline service outlets to go through the surrender procedures. The staff of the insurance company will generally require the policyholder to fill out the application form for terminating the insurance contract and withdraw the policy, and the surrender money will be returned to the bank account designated by the policyholder within the agreed time; 3.Online Surrender:

Some insurance products can be surrendered directly, and you can usually see the surrender entrance on the policy page. For example, you can enter "Insurance Service" in the "Insurance" menu bar of "Taikang Life"***, and find the policy that needs to be surrendered for surrender; 4.**Surrender:

Some insurance products can directly call Taikang Life's customer service** to apply for surrender, such as free insurance Feitiebao, you can directly call Taikang Life Insurance Company's customer service** to apply for surrender.

How to surrender the policy of Taikang Life.

Hello, Taikang Life surrender can generally be handled in the following ways:1Surrender by insurance salesman:

The policyholder needs to contact the insurance salesman by himself, for example, you can call the customer service of Taikang Life Insurance Company ** to contact the insurance salesman, and then hand over the policy, a copy of the policyholder's ID card and a copy of the bank card to the insurance salesman, who will handle the surrender procedures on his behalf; 2.The policyholder can go to the insurance company to surrender the policy by himself: The policyholder can bring the policy, ID card and bank card to the offline service outlets of Taikang Life Insurance Company to go through the surrender procedures.

The staff of the insurance company will generally require the policyholder to fill out the application form for terminating the insurance contract and withdraw the policy, and the surrender money will be returned to the bank account designated by the policyholder within the agreed time; 3.Online surrender: Some insurance products can be surrendered directly, and you can usually see the surrender entrance on the policy page.

For example, you can enter "Insurance Service" in the "Insurance" menu bar of "Taikang Life"***, and find the policy that needs to be surrendered for surrender; 4.**Surrender: Some insurance products can directly call Taikang Life's customer service** to apply for surrender, such as free insurance Feitiebao, you can directly call Taikang Life Insurance Company's customer service** to apply for surrender.

To buy insurance, you still need to choose to buy it according to your own situation to avoid losses caused by surrender.

Taikang Life surrender can generally be handled in the following ways:1Surrender by insurance salesman:

Taikang Life can directly call customer service **95522 to apply for surrender, or you can bring your valid personal ID card and policy to the counter of the insurance company's outlets. Surrender is the right of the policyholder, and the insurance company cannot refuse the surrender application without justifiable reasons when receiving the surrender application. However, if the policy is surrendered after the cooling-off period, the insurance company only needs to refund the cash value of the policy, and the first policyholder will have a certain financial loss.