Is there any impact on paying back after one year of commercial insurance?

1. Commercial insurance.

If it is a one-year consumer insurance, such as accident insurance.

Just buy a new one, such as medical insurance. In the case of critical illness insurance.

Life insurance and other long-term insurance, there is a suspension period, a reinstatement period, within the application period, you can apply to the insurance company for reinstatement, after the insurance company agrees, pay the premium, and the insurance protection function is restored.

2. The insurance suspension period refers to the insurance contract is still in existence, but the validity of the insurance contract temporarily disappears for some reason, and the reasons for the suspension of the insurance contract disappear, and the responsibility of the insurance contract continues to be performed. The most common reason for insurance suspension is the non-payment of premiums, and if the policyholder still does not renew the premium after 60 days of the premium grace period, the insurance contract will enter a reinstatement period of 2 years, and the policyholder can apply for reinstatement within 2 years, and the liability of the insurance contract will continue after the reinstatement is successful.

3. The reinstatement period means that if the purchaser is still unable to pay the fee within the grace period, the policy will be suspended and enter the reinstatement period, which is generally 2 years. During this 2 years, the purchaser can apply for reinstatement of the policy, and the policy will continue to be in force after the outstanding premiums and interest are paid. If you still can't make up the amount owed within 2 years, the policy will be terminated.

The business regulations of different insurance companies are different, and you can contact the corresponding insurance company for consultation on related insurance issues;

If you need to consult Ping An Insurance.

For related business, you can call Ping An Life Insurance 95511-1 and Ping An Auto Insurance.

Property Insurance, Accident Insurance 95511-5, Ping An Pension Insurance, Group Insurance 95511-6 Consultation.

The official website shall prevail.

It depends on what kind of commercial insurance it is, if it is a one-year consumer insurance, such as accident insurance, medical insurance, etc., it is good to buy it again. If it is a long-term insurance such as critical illness insurance or life insurance, and there is a 2-year suspension period, you can apply to the insurance company for reinstatement, and after the insurance company agrees, the premium will be paid and the protection function of the insurance will be restored. If there is an insurance consultation, pay attention to the message at any time.

Commercial insurance is paid every year, and it doesn't matter if you break off the payment for one year. It shouldn't have any effect.

If the previous insurance is broken, if you pay it again in one year, you want to renew the insurance for 8100 years.

Business Insurance. The severance of diplomatic relations will affect the effectiveness of the guarantee.

Under normal circumstances, commercial insurance will have a grace period of 60 days after the payment period, during which the insurance protection is still valid, and the insurance company needs to bear the responsibility for claims in the event of an insured accident; However, if the commercial insurance is cut off for more than 60 days, the insurance effect will be suspended, and the insurance company will not be responsible for the claim, but the insurance company can apply for reinstatement of the policy within 2 years, and the policy will be terminated and cannot be reinstated after more than 2 years. In addition, if the commercial insurance is broken beyond the grace period, the reinstatement of the policy needs to recalculate the insurance waiting period.

And there is also a certain amount of interest to be paid.

Commercial insurance refers to a form of insurance that is operated by a specialized insurance company and operated by an insurance contract for the purpose of profit. The contract is an agreement between the policyholder and the insurer to determine the rights and obligations of the insurance. The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

The impact of the severance of commercial insurance is still quite large.

The most direct slippery bridge is that the policy lapses, and after the 60-day grace period, the validity of the policy is invalid, and the insurance company does not assume the corresponding liability if the insured appears at this time.

If the policy of the insured is out of policy during the grace period, the insurance company will settle the claim according to the contract, and the insurance company will not pay attention to the accident after the grace period.

The most fatal impact of commercial insurance severance is that you cannot get the protection you deserve, of course, if you complete the extension of the payment protection within the time limit, the policy will continue to be in force and you can get protection.

Although the protection can be restored after the commercial insurance is terminated, the waiting period needs to be recalculated, for example, your insurance has a waiting period of 180 days, and the insurance company will not pay if the insurance is out within 180 days of the waiting period.

Moreover, if you want to restore the protection after the commercial insurance is broken, in addition to the various fees that are not paid, you also need to pay a certain amount of late fees.

On the whole, the loss of commercial insurance is huge for the insured, there is no guarantee during the break-off period, there is a protection window period (waiting period) after payment, and at the same time, there is a certain amount of expenses (late fees).

The above is Dad's, I hope Xinmeng can help.

No. In the case of commercial insurance for vehicles.

After one year of deinsurance, the reinsurance will start from scratch without any discount.

According to the CIRC.

According to the regulations, car owners who have not been insured in the previous year can enjoy a certain degree of premium discount when renewing the insurance, and the premium of car owners who have many accidents or have a high amount of compensation will also be increased to varying degrees according to the situation. In the case of a medium cavity, if the vehicle has not been insured for one year, it can enjoy a 10% premium discount when it is renewed in the second year, and if there is no insurance record for several consecutive years, then the discount can reach up to 30%.

Commercial insurance generally refers to car insurance, which also brings certain benefits to car owners after the reform of car insurance premiums, with high protection and low rates. We should all know that car insurance can be renewed one month in advance, but we should also pay attention to - under normal circumstances, car insurance is not discounted after three months of deactivation, whether it is compulsory insurance or commercial insurance. Of course, the specific length of time out of insurance, each insurance company is not the same, it is recommended to call and consult the insurance company before applying for insurance.

In addition, if you need to purchase car damage insurance after the car is out of insurance.

A vehicle inspection is required**. The insurance process will be more cumbersome than before. It is better not to get out of insurance.

In the case of commercial insurance for vehicles.

After one year of deinsurance, the reinsurance will start from scratch without any discount.

According to the CIRC.

According to the regulations, car owners who have not been insured in the previous year can enjoy a certain degree of premium discount when renewing their insurance, and for car owners who have many times of insurance or have a high amount of compensation, their premiums will also be increased to varying degrees according to the situation. Under normal circumstances, if the vehicle has not been insured for one year, it can enjoy a 10% premium discount when the insurance is renewed in the second year, and if there is no insurance record for several consecutive years, then the discount can reach up to 30%.

Commercial insurance generally refers to car insurance, which has also brought certain benefits to car owners after the reform of car insurance premiums, with high protection and low rates. We should all know that car insurance can be renewed one month in advance, but we should also note that under normal circumstances, car insurance is not discounted after a month, whether it is compulsory traffic insurance or commercial insurance. Of course, each insurance company is different for how long it will take to get out of insurance, so it is recommended to call and consult the insurance company before applying for insurance.

In addition, if you need to purchase car damage insurance after the car is out of insurance.

A vehicle inspection is required**. The insurance process will be more cumbersome than before. It is better not to get out of insurance.

Test your anti-risk index, and experts will interpret it for you for free!

Generally, there is no discount. Buying again after a year of breaking off payment is equivalent to re-insuring, and it is generally necessary to buy according to the latest premium stipulated by the insurance company. Under normal circumstances, there will be a grace period of 60 days after the termination of the relationship, and the insurance company can still be protected during the grace period.

However, if the premium is not paid after the grace period, the policy will enter the suspension period of the contract, and you can apply for the resumption of the contract within 2 years. Want to know how to buy insurance? Then don't miss this article:

This is the right way to buy insurance!

Commercial insurance can generally be divided into three categories: health insurance, life insurance, and property insurance. Health insurance also includes sickness insurance, medical insurance, nursing care insurance, etc. If the commercial insurance you buy is critical illness insurance, and you buy it one year after you break off the relationship, you generally need to make a new health notice.

If there is a problem with the health of the potato digging during the year, it may not be able to be successfully insured. Want to know what tips are there for health notification? Then you can take a look at this guide:

What are the tips for health notification when applying for insurance?

The small partners who have broken off the insurance may not have enough economic budget and feel that the payment pressure is greater. However, choosing the right payment period before applying for insurance may effectively avoid this problem. For example, when buying critical illness insurance, you can choose a longer payment period, so that the annual premium you need to pay will be less, and the payment pressure will be less great.

How to choose the payment period so that you will not lose?

In the case that the subject is talking about, it should be to apply for the reinstatement of the policy during the suspension period of the insurance. If the reinstatement is successful, the premium rate will be basically the same as the rate at the time of the initial application.

Generally speaking, the policyholder can apply for the reinstatement of the policy during the suspension period, but this is equivalent to re-applying for insurance, and needs to re-inform the health and go through the waiting period again. If the review is passed, the reinstatement is successful; Otherwise, the reinstatement will fail and you may not be able to re-insure the product.

1. Does the severance of commercial insurance have an impact? Let's first understand the professional terms in two insurances - "grace period" and "reinstatement period".

1. Grace period.

The grace period in the insurance is generally 60 days, and if the insured person does not pay the premium during this period, the coverage will still be in effect. In the event of an insured event, the insurance company still needs to bear the insurance liability and pay the insurance money in accordance with the provisions of the insurance contract. However, when the insurance company pays the insurance money, it will deduct the premium owed from the policy and then pay it to the insured.

2. Reinstatement period.

The reinstatement period in insurance is after the 60-day grace period, which is generally 2 years. If the insured person still needs to keep the policy, then he can apply to the insurance company for reinstatement. If the 2-year reinstatement period is exceeded, then the insurance company can terminate the insurance contract and the policy will lapse permanently.

It can be seen that the policy will lapse 2 years after the commercial insurance is broken.

2. In commercial insurance, insurance products that generally pay premiums on time will have premiums discontinued, and according to the regulations, after the premiums are discontinued, there are different treatment methods according to the length of the discontinuation time.

1. The severance of diplomatic relations shall not exceed 60 days.

There is a 60-day grace period for life insurance and wealth management insurance in commercial insurance, and as long as the premium is paid within the grace period, you can continue to enjoy protection.

2. Breaking off diplomatic relations for more than 60 days but within 2 years.

If the premium is broken beyond the grace period, the policy will lapse, but if it does not exceed 2 years, you can still apply for reinstatement, as long as the corresponding premium and interest are paid within 2 years.

3. Diplomatic relations have been severed for more than 2 years.

If you forget to pay the premium for more than 2 years, you will have no choice but to apply for a surrender of the policy, and if you want to be covered, you will need to purchase a new insurance.

3. If the commercial insurance is severed, it will have the following impacts:

1. The insurance policy is invalid and the protection is missing.

If you do not pay the premium in time after buying commercial insurance, and the grace period of the policy has passed, the policy will become invalid, and if an insured accident occurs during this period, the insurance company will not bear the insurance liability, so it will cause a lack of protection.

2. Recalculate the waiting period.

If the grace period stipulated by the insurance company is exceeded and it is still within the reinstatement period, after the reinstatement, the insurance company will need to recalculate the waiting period, and some may even require a new medical examination, and may also re-evaluate the risk level and rate.

3. A certain amount of interest is required for the reinstatement of the policy.

When applying for policy reinstatement, you not only need to make up the unpaid premiums, but also need to pay a certain amount of interest.

In general, everyone should remember the grace period and the reinstatement period, and if the payment is stopped within 6 months, it can be made up in time; If the payment is interrupted for more than 6 months and within 2 years, the premium and interest can be made up, and the policy can also be restored; However, if the relationship is broken for more than 2 years, it cannot be repaid, and it needs to be re-insured.

Commercial insurance has a grace period of 60 days after the payment period, and the benefits of the insurance are still valid after the payment of premiums within 60 days. After 60 days, the policy will be suspended, and the insurance company will not be liable for the accident at this time. Within two years after the premium payment period, the policy can be reinstated, and the policy will be reinstated.

After more than two years after the premium payment period, the policy has not been reinstated and the policy has been terminated.

Long-term insurance will not be invalidated for one year, and the current contract is in a state of suspension, and the insurance company does not assume insurance liability, and there is a two-year recovery period. After the premium is paid during the recovery period, the contract will be reinstated and the insurance company will continue to bear the insurance liability. Some plans will have an observation period after reinstatement.

If the premium is not paid within two years, the contract will be terminated. At this time, the residual value of the policy will be claimed and the policy will be forfeited.

Hope mine is helpful to you.

Commercial insurance can be repaid, but the time for repayment is different, and the requirements are different.

1. Pay the premium within the grace period of the policyIf the policyholder pays the premium within the grace period of the policy, then there is basically no special requirement to make the premium. Note that the grace period for general insurance products is 60 days.

2. Pay the premium during the reinstatement period of the insurance.

Under normal circumstances, the reinstatement period of the policy is 2 years, after which the policy reinstatement period begins. If the policyholder wants to reinstate the policy, then it needs to apply for reinstatement from the insurance company, and the insurance company may require the insured to re-undergo a health notice or physical examination, and after the review is passed, the waiting period will be recalculated (the waiting period shall be implemented according to the provisions of the insurance contract), and the outstanding insurance premiums and late fees will be paid.

It should be noted that if the insured event occurs during the grace period, the insurance company will still make a claim in accordance with the provisions of the contract. If an insured event occurs during the reinstatement period of the policy, then the insurance company will not be liable for the insurance. Under normal circumstances, the policy premium is deducted directly from the policyholder's bank card, so you should keep the balance in the card sufficient during the premium payment period.

3. The impact of interruption in payment during the insurance period.

1. Re-enter the observation period.

If you have health insurance, there will usually be an initial observation period, which varies from 30 days, 90 days, 180 days or even a year to different products. If you fall ill during the observation period, the insurance company will not pay for it, and the health insurance will not really take effect until the observation period is over. If the health insurance payment is interrupted during the coverage period and the renewal grace period stipulated by the insurance company has passed, the insurance company may require a re-entry into the observation period.

2. Increase costs.

After the grace period, the policy will be suspended, and the insurance company will not be liable if the insurance liability occurs at this time. Within a certain period of time after the payment period (the time regulations of different insurance companies vary), you can apply for reinstatement, and you need to pay the corresponding premium. The insurance company will also charge reinstatement interest, which will increase the cost to the policyholder.

Extended Information: Types of Commercial Insurance:

Insurance is divided into property insurance, life insurance, and health insurance.

1. Property insurance.

Property insurance includes motor vehicle insurance, enterprise property insurance, family property insurance, ship insurance, liability insurance, guarantee insurance, cargo transportation insurance, accident insurance, agricultural insurance, engineering insurance, credit insurance, etc.

2. Life insurance and health insurance.

1 According to the number of policyholders, it can be divided into individual health insurance and group health insurance.

2 According to the length of insurance time, it can be divided into short-term health insurance and long-term health insurance. The length of insurance is also combined with the number of policyholders to form group short-term insurance and group long-term insurance, and the same combination with individuals can constitute individual short-term insurance and individual long-term insurance.