What is the impact on insurance on the suspension of policy repayment?

Hello! Generally speaking, it will not have any impact, but you cannot directly submit a surrender and refund application, in fact, the procedure may be a little more troublesome.

The suspension of preservation and refund means that the policy business does not enjoy the service of directly submitting surrender and refund applications to the salesman system. During the suspension period, the policyholder can directly take the policy to the insurance company's outlets, usually need to wait for 7 days after the application for a refund of the preservation, in fact, in normal times, you can directly contact the salesman who helps you buy insurance, so that he can help handle it.

In terms of the proportion of insurance purchased by the public, general health insurance occupies a major position, and health insurance is generally divided into medical insurance and critical illness insurance, mainly used to protect the risk of disease, because the occurrence of some major diseases will bring a huge amount of medical eagles, and can even destroy a family, and the situation that a person is sick and the whole family suffers abounds, and for this case, buying insurance is just a kind of insurance of the person in charge, in all kinds of medical insurance, One million medical insurance only needs two or three hundred pieces of insurance to have a coverage amount of several million per year, which is powerful in a small way, so from various perspectives, it is also very cost-effective to buy insurance.

In fact, buying insurance is to buy a protection to protect yourself in the event of accidental injury, critical illness and other risks, you can have an economic security, which can be used to compensate for the economic losses caused by the risk in a timely manner, and to ensure that the life of yourself and your family can be less affected by the risk, and different types of insurance can help the insured bear different aspects of the risk, so whether it is in the child, youth or middle-aged and elderly period, it is very necessary to be equipped with insurance. After all, this is a very good way to resist life's risks.

When buying insurance on a daily basis, the policyholder must understand the terms of the insurance in detail, know its coverage and deductible terms, so as to avoid disputes in subsequent claims. In fact, the types of insurance launched by different insurance companies have certain similarities, and users can compare the types of insurance from different insurance companies and choose the one that suits them best. When buying insurance, you need to know how much premium you pay each year, how many years you need to pay it in a row, and if you can afford it, you can continue to know at this time.

If the individual can't afford it, then you can change the type of insurance to continue to understand, after all, the annual payment will bring a lot of burden.

1. Can I get my money back after the policy is terminated?

1. Whether the money will be refunded after the termination of the insurance contract should be determined according to the specific type of insurance product. They are:

1) If it is a return-to-principal insurance, participating insurance, or storage insurance, the insurance company will refund the premium after the contract is terminated, and even the returned fee will be more than the premium;

2) If you buy consumer insurance, such as short-term accident insurance, this product will not be refunded after the contract is terminated.

2. Legal basis: Article 16 of the Insurance Law of the People's Republic of China.

If the insurer makes inquiries about the subject matter of the insurance or the relevant circumstances of the insured when concluding an insurance contract, the policyholder shall truthfully inform the insurer.

If the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification as provided for in the preceding paragraph, which is sufficient to influence the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the contract.

If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium.

If the insured fails to perform the obligation of truthful notification due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, but shall refund the insurance premium.

2. How to surrender the insurance after the termination of the insurance contract.

1. The eligible person to apply for surrender is the policyholder. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder shall clearly indicate who will receive the surrender money;

2. If the policyholder applies for surrender and the contract has been in effect for two years, the insurance company will refund the cash value of the policy after receiving the surrender application; 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.

Summary. Dear, hello, the policy repayment has been being processed, this is the reason for the processing of the insurance company's background system program, when the system is busy, you need to wait in line, you just need to wait patiently, and it will not delay your repayment. In this case, it is not good to withdraw from repaying the loan by yourself.

The repayment of the policy has been being processed + how to withdraw and repay it by yourself.

The Year of the Tiger is auspicious, and the New Year is happy! Dear, hello, I'm sorting out the answer for you Ming Liangheng, it takes a little time to sort out the answer, dear, please be patient for a while, thank you!

Dear, hello, the policy repayment has been being processed, this is the insurance company's background system program to deal with the original filial piety, when the system is busy, you need to wait in line, you just need to wait patiently, will not delay your repayment. In this case, it is not good to withdraw from your own Qiaoling to repay.

Dear, I hope the above can help you, thank you! Have a great day!

On January 26th, the repayment period, when I forgot to transfer the money on the card, I transferred it on the 29th, and the bank has not deducted it until now, and it has been being processed, thank you!

Dear, hello, because the insurance company and the Bank of China are closed for these two days, and the settlement system will not be officially operated until the third day of the new year, so you don't need to worry about the sedan chair, and the third day of the new year will help you complete the calculation.

Thank you! You are welcome!

The suspension of the full refund means that the policy business does not enjoy the service of directly submitting the surrender and refund application service of the salesman system, and during the suspension period, the policyholder can bring the policy and go to the insurance company's outlets to go through the relevant procedures. In cases where it may be difficult to enforce a judgment or cause other harm to a party due to the conduct of one of the parties or other reasons, the people's court may, upon the application of the other party, rule to preserve the property, order the party to perform certain acts, or prohibit the party from doing certain acts; Where the parties do not submit an application, the people's court may also rule to adopt preservation measures when necessary.

The people's court may order the applicant to provide a guarantee when taking preservation measures, and if the applicant does not provide a guarantee, rule to reject the application.

After the people's court accepts the application, it must make a ruling within 48 hours if the situation is urgent; Where a ruling is made to employ preservation measures, enforcement shall begin immediately.

Laws and Regulations. Article 100 of the Civil Procedure Law: In cases where it may be difficult to enforce a judgment or cause other harm to a party due to the conduct of one of the parties or other reasons, the people's court may, upon the application of the other party, rule to preserve the property, order the party to perform certain acts, or prohibit the party from doing certain acts; Where the parties do not submit an application, the people's court may also rule to adopt preservation measures when necessary.

The people's court may order the applicant to provide a guarantee when taking preservation measures, and if the applicant does not provide a guarantee, rule to reject the application.

After the people's court accepts the application, it must make a ruling within 48 hours if the situation is urgent; Where a ruling is made to employ preservation measures, enforcement shall begin immediately.

First, the reason for surrender does not conform to the facts, some policyholders are applying for surrender, and the reasons for surrender do not conform to the factual basis at all, such as requesting full surrender of the policy, at this time, the policy is not in the hesitation period, but also caused by the insurance company's violations of laws and regulations, according to the agreement, only the cash value can be returned, and the insurance company will definitely not agree to the surrender application;

Second, the policy is invalid, there are several types of invalidation, automatic invalidation, expiration of the protection invalidation, the termination of the contract by the history of the policy, etc., once the insurance company does not provide protection rights, the policyholder has no right to apply for surrender, even if the application insurance company will not accept it.

Thirdly, if the policy is settled and the contract is not terminated, for example, the critical illness contract can generally be paid multiple times, and the protection may still be valid after one claim, and the policyholder is not entitled to apply for surrender of the policy that has already made a claim.

The basis of the law: the Insurance Law of the People's Republic of China

Article 10 An insurance contract is an agreement between the policyholder and the insurer on the relationship of insurance rights and obligations. The parties to the insurance contract are the policyholder and the insurer; The content of the insurance contract is the rights and obligations of the two parties.

Article 11 When concluding an insurance contract, consensus shall be reached through consultation, and the rights and obligations of all parties shall be determined in accordance with the principle of fairness.

Summary. The policy is under preservation process, which is usually the process of changing the policy information of the loan application (such as the change of the insured's mobile phone number, etc.) or the status of the policy (the insurance policy has an insured accident, the insurance company is in the process of processing the relevant claims, etc.), and the insurance company is updating this status, and the applicant cannot use the policy for loans during this process. The lender must wait for the status update to be completed before using the policy again to take out a loan.

I applied for a loan with an insurance policy, what does the preservation refund suspension mean?

Qin Zhi pointed out, hello, in the vast sea of people, it is an honor to answer your questions for Mengqian, I am Wenqutang Financial Research, please wait, I am looking at your question, I will reply to you immediately, please wait a while Thank you.

Dear, good morning, the suspension of security refund means that the customer's insurance does not enjoy the direct submission of surrender and refund application services in the salesman system of the Marking Bureau, and the surrender of the policy needs to be congratulated during the suspension period to ask the policyholder to take the policy to the insurance company's outlets. Thank you.

The policy is under preservation processing, which is usually the process of changing the policy information of the loan application (such as the change of the insured's mobile phone number and other information) or the status of the policy (the insurance policy has an insured accident, the insurance company is in the process of processing the relevant claims, etc.), and the insurance company is grinding and updating the status of this state, and the applicant cannot use the policy for loans during this process. The lender must wait for the status update to be completed before using the policy again to take out a loan.

Kiss! I wish you all the best! Good luck for the whole family!

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But I'm not going to surrender the policy.

Hello dear, it's okay to wait for 7 days, thank you.

Oh oh ok thank you.

Kiss! I wish you all the best! Good luck for the whole family! [

I applied for a loan with an insurance policy, what does the preservation refund suspension mean?

Hello! We'd be happy to be able to answer for you. The meaning of the suspension of the refund is that the policy business does not enjoy the service of directly submitting the surrender application service of the salesman system, and during the suspension period, the policyholder can bring the policy to the insurance company's outlets to go through the relevant procedures.

Under normal circumstances, it is necessary to wait for about seven days to enjoy the policy preservation refund, so the policyholder can actually directly contact the insurance salesman to help him go through the relevant procedures, which will be relatively more convenient and fast, and he only needs to wait for the business to be completed. I hope mine can be helpful to you, thank you for your advice, thank you,.