What should I do after the payment of New China Insurance Health Worry free C payment expires? Can I

It depends on the contract. The annuity of an insurance product is usually limited to a specific age of the insured.

Summary. Dear and hello, Health Worry-Free C is a consumer-based critical illness insurance product launched by Xinhua Insurance, with a payment period of 20 years and a lifelong protection period, providing protection for mild illness, critical illness, specific illness and death, if the insured is not sick at the end of the payment period.

Then, you can only get back the cash value of the current policy by surrendering the policy, but not the principal.

After the expiration of the insurance payment period, the surrender should be cautious, and the policyholder will not only face financial losses, but also the protection will be terminated.

I bought New China Life Health Worry-Free C Insurance. It is paid for 20 years and guaranteed for life. I would like to ask if I can get my principal back after 20 years? How much you can take.

Dear and hello, Health Worry-Free C is a consumer-based critical illness insurance product launched by Xinhua Insurance, with a payment period of 20 years and a lifelong protection period, providing protection for mild illness, critical illness, specific illness and death, if the insured is not sick at the end of the payment period. Then, you can only get back the cash value of the current policy by surrendering the policy, but not the principal. After the expiration of the insurance payment period, the surrender should be cautious, and the policyholder will not only face financial losses, but also the protection will be terminated. Hello.

The Xinhua Health Worry-Free C6 that is still on sale is a savings critical illness insurance, which does not protect the maturity survival insurance money, so it cannot be returned. Since there are friends who are interested in this product, then the senior sister will give you a good evaluation of this product, and if you don't have time to read the following friends, you can collect this article first:Don't be in a hurry to get Xinhua Health Worry-Free C6 Critical Illness Insurance, let's see if you can accept these points first!

Without further ado, let's look at the security map first:

In terms of protection content, the Health Worry-Free C6 disease protection is comprehensive, not only covering critical illnesses, but also covering high-incidence mild and moderate diseases, which is commendable. However, the senior sister dug deep into the terms of this product and found that its compensation was quite average.

First of all, in terms of critical illness protection, the C6 section of Health Carefree only pays once, and the critical illness insurance benefit is paid according to the maximum value of the basic sum assured, cash value, and premiums paid. Although this payment method is more humane, it can allow the elderly group to recover their losses as much as possible when the premium is inverted when the premium is inverted.

However, it is important to know that some excellent critical illness insurance on the market will set up additional claims for specific ages, such as Versailles Plus Critical Illness Insurance under Tongfang Global, if the insured is diagnosed with a critical illness for the first time before the age of 60 (exclusive), then he will have the opportunity to receive an additional 80% of the basic sum assured. Compared with these excellent critical illness insurances, the Healthy Carefree C6 model is slightly inferior. If you are interested in Versailles Plus Critical Illness Insurance, then you must not miss this article:

Versailles Plus Critical Illness Insurance is back, an in-depth review must be seen before buying!

In addition, the compensation ratio of the C6 model is 50%, and the minimum compensation ratio for mild illness is 20%, and the compensation ratio for mild and moderate illness is 60% and 30% respectively, which shows that the C6 model has no competitive advantage.

In general, although the C6 model has comprehensive disease coverage, the compensation is quite average. In fact, there are many excellent critical illness insurance on the market, and Senior Sister still recommends that you shop around before making a decision. This list of cost-effective critical illness insurance, you may wish to refer to it:

Top 10 Popular Critical Illness Insurance Points Worth Buying! Hope.

Summary. Hello dear. We will be happy to answer your questions.

OK. Xinhua Health Worry-Free C can be surrendered, directly call the customer service of the insurance company **95567 to apply, this critical illness insurance has a 15-day hesitation period, during the hesitation period, you can get back the full premium paid when you apply for surrender, and you can only get back the cash value of the current policy after the hesitation period.

Can New China Insurance Health Worry-Free C be refunded?

Hello dear. We will be happy to answer your questions. OK.

Xinhua Health Worry-Free C can be surrendered, directly call the customer service of the insurance company **95567 to apply, this critical illness insurance has a 15-day hesitation period, during the hesitation period, you can get back the full premium paid when you apply for surrender, and you can only get back the cash value of the current policy after the hesitation period. Surrender is the right and interests of the policyholder, you can apply for surrender at any time during the validity period of the insurance, if the surrender is rejected by the salesman or the insurer, you can directly call customer service ** to apply.

Dear, I hope mine can help you. Wishing you happiness! <>

Summary. Hello dear, glad to answer for you. Xinhua Insurance's Health Worry-Free C can be refunded after 20 years and then 15 years, but only the cash value can be refunded.

Hello dear, glad to answer for you. Xinhua Insurance's Health Worry-Free C can be refunded after 20 years and then 15 years, but only the cash value can be refunded.

Dear, Xinhua Health Worry-Free C Insurance cannot be taken out after 20 years. This insurance is guaranteed for life, it is a critical illness insurance, and the principal can be withdrawn in about 33 years, but there is no protection after it is withdrawn.

After 20 years of payment, Xinhua Health Carefree 1 can only return the cash value of the insurance policy by surrendering the policy. Xinhua Health Worry-Free 1 covers a variety of critical illnesses, which can be compensated for special diseases, and can be compensated for an additional 20% of the sum insured for juvenile and child diseases, and can be supplemented with 100% of the sum insured (limited to minor illnesses before the age of 30, which can be compensated three times, and 20% of the sum insured can be paid each time; 5. Death benefit, if the insured dies before the age of 18, the insurance premiums paid can be compensated; If the insured dies after the age of 18, the sum insured; 6. Exemption for minor illnesses and juvenile and child illnesses of the insured; 7. Exemption protection for policyholders can be attached.

Summary. No.

First of all, we need to know that Health Carefree C is actually a consumer-based critical illness insurance product. Therefore, only when we are out of insurance, can we realize the insurance payment, and the principal will not be returned after the expiration. And why are many insurance products on the market consumer-oriented?

In fact, the main thing is that the consumption insurance will be much cheaper than the return type, and if we take out the return type of critical illness insurance, we will not be able to achieve the return of the principal after the accident. For example, the health and worry-free C paragraph, although the principal will not be returned when it expires, this product provides lifelong protection, and the death insurance benefit will be provided when the insured dies. It's not much different from returning the principal.

Can the principal be refunded when Xinhua Health Worry-Free Insurance expires?

Hello, it's a pleasure to serve you! I am a professional in the field of finance, I am looking at your question here, the inquiry will take some time, please wait a little and don't worry, thank you.

First of all, we need to know that Health Carefree C is actually a consumer-based critical illness insurance product. Therefore, only when we are out of insurance, can we realize the insurance payment, and the principal will not be returned after the expiration. And why are many insurance products on the market consumer-oriented?

In fact, the main thing is that the consumption insurance will be much cheaper than the return type, and if we take out the return type of critical illness insurance, we will not be able to achieve the return of the principal after the accident. For example, the health and worry-free C paragraph, although the principal will not be returned when it expires, this product provides lifelong protection, and the death insurance benefit will be provided when the insured dies. It's not much different from returning the principal. ”