New China Insurance can refund a few percent of the policy

New China Life Insurance Company was established in September 1996 and is headquartered in Beijing. In 2011, it was listed in Hong Kong and Shanghai simultaneously.

Although the brand strength of New China Life Insurance Company is very strong, it still makes no sense if the insurance purchased does not meet our own needs. Regardless of which insurance company, their surrender rules are calculated in the same way.

How the surrender amount is calculatedThere are the following:

Surrender during the cooling-off period

Refund amount = premium paid - necessary production cost, the necessary production cost is generally about 10 yuan;

Surrender after the cooling-off period

Refund amount = premiums paid - company management expenses - commission costs - premiums incurred + interest accrued on remaining premiums, or surrender amount = cash value of the policy at the time of the policy (sum assured 1000).

If you surrender the policy, it is best to surrender during the cooling-off period, and the premium will be refunded in full by New China Insurance Company;

After the cooling-off period, the surrender amount can only be refunded, and New China Insurance Company will calculate the surrender amount according to the cash value on the day of surrender, and generally attach a cash value table to the back of the policy.

Taking 924 Tianli Annuity as an example, the cancellation of the contract is charged according to a certain percentage of the policy account value, the proportion of the first five policy years is respectively, and the fee is 0 from the sixth year onwards, and the cash value is often much lower than the premium.

Consumers who want to surrender the insurance after purchasing Xinhua Insurance need to prepare the surrender materials in advance.

You can directly go to the business hall of Xinhua Insurance to apply for surrender, or entrust the insurance person to go through the surrender procedures;

The documents to be provided by the insurance company at the time of surrender include: the application form of the policyholder, if the insured requests to surrender the policy, the applicant shall provide the surrender application with the written consent of the policyholder; The insurance contract and proof of the last payment, and the identity certificate of the policyholder; If the application is entrusted to another person, the power of attorney of the policyholder and the identity card of the principal shall be provided.

It can be seen from the introduction that in order to avoid losses due to surrender, consumers should carefully consider when purchasing insurance products and choose the appropriate Xinhua insurance products based on their actual needs.

Under what circumstances can I surrender the policy in full?

If I have passed the cooling-off period, can I still surrender the policy in full? In fact, if there is an illegal operation in the sales process, there is still a chance to surrender the insurance in full. So what exactly are the situations?

**The person has the act of signing on behalf of the person.

There are money backs or gifts in the sales process.

Exaggerating product benefits and claims during the sales process.

** People have induced or misled sales, etc.

See how many years you have bought, and only the cash value will be refunded!

Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait!

If you apply for surrender during the cooling-off period, you can get back the full amount of the premium paid, but after the cooling-off period, you can only get back the cash value of the policy, which will cause certain financial losses, so you need to be cautious when surrendering the policy after the cooling-off period. The specific loss depends on the cash value table of the insurance you purchased, and the cash value of the year is the cash value of the year you pay for a few years, which is the money you get back from surrendering.

There are two types of surrenders:

1. Surrender within the hesitation period, that is, surrender within 15 days of purchasing the insurance (the hesitation period of some insurance is 10 days), and a full refund can be made.

2. If the policy is surrendered outside the hesitation period, the cash value can only be refunded if the policy is surrendered beyond the hesitation period, and the cash value table in the insurance contract can be consulted. Generally, the surrender loss in the previous years is relatively large.

It is recommended to carefully consider whether this insurance is really useless and surrender it carefully.

Have a great day.

Don't buy Xinhua Insurance, it's too tricky, whoever buys it will be fooled! It's a big pit! I bought more than 230,000 yuan for five years, nearly 10 years, because of the urgent need for money, for surrender, the result is a loss of nearly 8,000, everyone see, this is still the best variety recommended by Xinhua Insurance, more than 200,000 saved for ten years and lost 8,000, this is a lot of deep pits!!

This is really harmful, a company that eats people and doesn't spit out bones. Don't be fooled!!

Don't buy Xinhua insurance, I bought more than 89,000, 13 years, and when I went to pick it up, it was only more than 76,000. When I first bought it, I said that I could earn it in 10 years.

There is also a 16000 one, directly say 6000.

Buying insurance is a long-term and serious matter, and you should never surrender the policy, as the surrender loss is the greatest.

20,000 without a guarantee for a year, how much money can you get if you want to surrender the insurance.

The first year generally has no cash value. Depending on the type of insurance, the policy should have a proportion of "deducting handling fees" for the first year of surrender, some insurance types have a handling fee of 80%, and some have 50%, which is different.

Xinhua Retirement Insurance is in a hesitation period.

I can refund in full.

In New China Life.

How to surrender the purchased insurance product depends on the insurance channel of the product. If you are purchasing a first-source insurance product, you need to go to the offline outlets of the insurance company to surrender the policy, or you can also contact your own insurer to assist you in the surrender procedures. If it is an insurance product that you can buy on the **, you can generally go through the surrender procedures directly on the insurance platform.

If you want to surrender the insurance product of Xinmao Chunhua Life, how much money you can refund depends on the actual situation. If the policy is surrendered within the cooling-off period, the insurance company will generally refund the entire premium paid, so there is usually no loss, and the insurance company will deduct the maximum cost of 10 to 15 yuan. If the policy is surrendered after the cooling-off period, the insurance company will usually only be able to pay the cash value of the policy at the time of surrender.

Surrender. The cash value of the policy in the early stage of the protection insurance product is relatively low, so if the policy is surrendered in the early stage, it will face a greater financial loss, so it is generally not recommended to surrender the policy at will.

About 50%, and there is generally no cash value in the first year. Depending on the type of insurance, the policy should have a proportion of "deducting handling fees" for the first year of surrender, with some insurance handling fees being 80% and some being 50%. Xinhua Life Insurance Co., Ltd. **** is a large life insurance company, founded in September 1996, headquartered in Beijing, in October 2021, Xinhua Insurance released its financial report for the first three quarters of 2021, with a single-quarter net profit decline of more than 50% year-on-year, and a net profit increase of 100 million yuan.

Extended information: 1. Whether Xinhua Insurance is a state-owned enterprise or a central enterprise.

Xinhua Insurance is not a state-owned enterprise or a central enterprise, belongs to a department of Xinhua Group, Xinhua Insurance full name is Xinhua Life Insurance Co., Ltd., founded in September 1996, headquartered in Beijing, is a national large-scale life insurance company, in 2011 Xinhua Insurance was listed on the Hong Kong Stock Exchange and the Shanghai ** Stock Exchange.

2. How about the health and worry-free C section of Xinhua Insurance.

In terms of coverage, Health Care C covers 15 minor illnesses and 60 major illnesses, and minor illnesses will be paid once in advance, paying 20% of the sum insured, and will not affect the total sum insured. In the event of a critical illness, the entire sum insured will be reimbursed as long as it is diagnosed and covered by the contract. If the insured person dies, whether due to accident or illness, the entire sum assured will be paid throughout the benefit period.

If you are an adult, you can only apply for it yourself. In other words, between husband and wife, one of the spouses cannot buy for the partner. Between parents and children, it is also not a substitute for purchasing.

3. Can the surrender of New China Insurance be handled online?

Whether the surrender of Xinhua Insurance can be handled online depends on whether it is an insurance product purchased through online channels, if it is an insurance product insured on the **, you can also surrender the policy directly through online channels when you surrender the policy, and there will usually be a surrender entrance on the policy page. However, if it is an insurance product purchased under **, then you can only bring your policy, ID card and other documents to the offline outlets of Xinhua Insurance to surrender the policy.

4. Does New China Insurance have property insurance?

New China Insurance does not currently operate property insurance. The full name of Xinhua Insurance is Xinhua Life Insurance Co., Ltd., which is a large-scale pure life insurance company with no property insurance business. New China Insurance has established a network of institutions and diversified sales channels covering all provinces, municipalities and autonomous regions across the country to facilitate the provision of convenient and high-quality life insurance services to customers.

Summary. Dear and dear, the surrender of Xinhua Insurance can only return the cash value of the policy, the cash value of the general policy is 30% of the total premium paid, for example, if you pay a total of 10,000 yuan, then the surrender can only return 3,000 yuan.

Dear, how much money can be refunded by New China Insurance depends on the insurance product you have purchased.

Dear, the surrender of Xinhua Insurance can only return the cash value of the Baokai Tongfan Order, and the cash value of the general policy is 30% of the total premium paid by the cavity, for example, if you pay a total of 10,000 yuan, the surrender of the hail can only return 3,000 yuan.

Kissing, different types of insurance and purchase time, and different payment amounts will affect the psychological value of insurance, and you can refer to your insurance contract for details.

I bought Xinhua million medical insurance last year and multiple times the insurance, a total of more than 6,000 yuan, I can't pay this year, how much can I refund? , I haven't been to the reimbursement once, they said that they can only refund a few delays to make money quickly. I'd like to come and consult. Thank you?!

Dear, who are they talking about?

It's the people of New China Insurance.

Dear, both of these insurances belong to medical insurance, and the cash value of medical insurance is relatively low.

I'm calling them now, and they said they could only refund a few hundred yuan, so I came to ask you for help!

Dear, if you refund according to the cash value of the policy, it should be this amount.

Dear, is the insurance contract on you?

Shall I show it to you tomorrow? Not with me right now!

Dear, you can!

Thank you, and I'll be back tomorrow!

Kiss, okay!

Dear, this can only be fought for the return of full insurance.

There is another one I would like to ask you: Is Xinhua Insurance reliable?

Kiss, reliable!

Pro, Xinhua Insurance Company is reliable, is still a domestic listed company, the company's products also meet the national regulations, but not each product has its own characteristics and the needs of blind diggers, so when buying according to the needs of self-grinding and self-grinding.

When you find the contract, I will first help you look at the cash value table to determine how much you can return according to the contract, if it is too low, we have to find a way to return the full insurance, that is, to return all the fees paid, and there is no loss for you in this world.

Extended information: Insurance surrender is generally divided into hesitation period surrender, hesitation period surrender can be buried in the surrender of the full insurance, after the hesitation period is the cash value of the old return policy, the specific cash value needs to refer to the contract, but the insurance surrender also has a surrender plan, so the specific words also need to be analyzed in detail according to your specific situation, and finally determine the surrender plan.