How to surrender Huatai Insurance during the hesitation period, and how to surrender during the insu

If you have purchased Huatai Insurance products and want to surrender the policy during the cooling-off period, you can generally do so through the following three methods:

2) If the policyholder purchased the insurance on the official ** or official public platform of Huatai Insurance, he can contact the customer service staff on the platform to surrender the insurance.

3) If the policyholder purchased the insurance from a third-party ** institution of Huatai Insurance, he or she can contact the staff of the third-party ** agency to negotiate the surrender of the policy.

Of course, there are many small details that need to be paid attention to during the surrender process, and this strategy should be taken well: what details should be paid attention to when surrendering insurance?

Generally speaking, if the policy is surrendered during the hesitation period, the insurance company will generally refund the premium that has been collected in full or refund it after deducting the cost of dozens of yuan, with zero loss or very small loss. Therefore, if you find that the product is not suitable after applying for insurance, you should surrender the policy in time during the hesitation period. After all, if you surrender the policy after the cooling-off period, you can generally only get back the cash value of the policy, and the loss will be relatively large.

For those who don't know what cash value means, come and take a look at this insurance knowledge: super complete! Everything you need to know about insurance is here.

Therefore, when you buy insurance, you should conduct a careful and detailed analysis of the product, such as reading the insurance terms, the insurance terms are the prerequisite for the purchase of insurance, once the policyholder and the insurance company sign it will have legal effect, it stipulates the rights and obligations contained in an insurance.

The terms of insurance products are usually relatively long, and if you don't read them carefully, you may not understand what the terms are saying before you apply for insurance, resulting in unnecessary troubles when you find that it is not suitable to surrender the policy later, or when making a claim. In the end, the senior sister prepared an insurance strategy for everyone, and friends in need hurriedly collected: [insurance] which is good, how to buy a cost-effective one, and teach you to avoid these pitfalls of insurance.

Based on the terms of a product on sale under Huatai Insurance, I would like to share with you how to surrender the policy: if you request to surrender the insurance within 15 days (i.e. the hesitation period) from the date of signing the contract, you need to submit the application in a way approved by the insurance company, and after the insurance company reviews it, the insurance company will refund the insurance premium paid without interest after deducting the production cost. There are also these things you need to pay attention to when it comes to surrenders:

What are the details to pay attention to when surrendering an insurance policy?

If it is in **person, please contact your **person to handle the surrender of the policy for you, and the general hesitation period is ten natural days; If the owner purchased the policy at the bank, please find the bank's account manager to handle the surrender for you, and the hesitation period is generally 15 natural days; If you ask the owner to buy through the Internet or other channels, please call Huatai Service**: 400-609-5509, you can handle it yourself.

Surrender during the insurance hesitation period only needs to go through a simple surrender procedure, which can be surrendered through **, or go to the insurance company to surrender, or you can surrender the insurance on the insurance platform. If you surrender the policy during the hesitation period, the cost of production will be deducted at most, and then the premium paid will be refunded without interest, which is relatively cost-effective.

The insurance cooling-off period refers to a certain period of time (generally 10 days or 15 days) after the policyholder receives the insurance contract, if he does not agree with the content of the insurance contract, he can apply for surrender, and the insurance company will refund the premium paid without interest.

Extended information: First, most insurance companies will have a hesitation period when buying insurance, if you have the idea of surrendering, you need to contact the insurance company in time to explain your intention to surrender. Afterwards, you can bring the surrender materials to the store to apply for surrender directly.

If you hesitate a little, you may miss the hesitation period, and you must leave written evidence when applying for surrender.

2. Some materials are required when surrendering the insurance: the cancellation letter of the insurance contract, the ID card of the policyholder, the proof of payment of insurance premiums and a copy. If it is handled by another person when handling it, then the full power of attorney, the original and copy of the ID card of the entrusting person are also required.

After the information is ready, the policyholder can bring the materials to the designated place to go through the surrender procedures according to the time of application for surrender, and there is no need for any fee to surrender the policy during the hesitation period.

3. The surrender of the insurance during the cooling-off period can be carried out in the following ways:

2.Bring the surrender information to the insurance company to go through the surrender procedures, and generally need to terminate the insurance contract application, policy, premium payment certificate, etc.;

3.The staff of the insurance company will assist in the surrender of the policy, and the surrender money will be refunded to the policyholder within the agreed time.

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1. The first thing to determine is whether the surrender is within the cooling-off period.

When surrendering, if you are in the cooling-off period, there will be no loss in surrendering, and once you surrender the policy beyond the cooling-off period, there will be a loss in surrendering, which means that you will lose money.

Because surrender is not a surrender premium, but a cash value, each long-term insurance policy contract will have a cash value table, which year surrender can be refunded how much money will be written, for a long time, the cash value is less than the premium paid, so after the hesitation period surrender can only return the cash value, will cause a lot of losses.

2. How to handle the surrender of the policy during the cooling-off period?

1. If the insurance is purchased through the **person, you can also directly contact the **person to submit a surrender request, and the **person can help you through his own system.

3. Or go directly to the insurance company's business outlets, and you need to bring your ID card, insurance policy and other procedures.

3. Finally, the issues that need to be carefully considered before deciding to surrender the policy:

1.Does your current physical condition meet the health notice when buying a new product?

2.Why did you buy it in the first place?

Everyone knows that before applying for insurance, it is necessary to make health notices. Therefore, health status is the most important factor when considering surrender, and it must be fully valued. In the future, if the body deteriorates and there are various abnormalities in the physical examination, the new product may not be able to pass the health notice in the future, and the insurance cannot be successfully purchased.

If the current health condition does not allow the purchase of new products, then the operation of surrendering the policy should be cautious!

2.For example, most critical illness insurance plans have a waiting period of 90 days or even 180 days. If the policy is surrendered, the waiting period will be recalculated. If the insurance occurs during the observation period, it will not be able to be claimed.

3.Insurance generally means that the older you are, the more expensive the premium. If the policy is surrendered simply because the premium is too expensive, calculate the difference between the new premium and the original premium before making a decision.

Fourth, finally, no matter what the reason, surrender must be cautious! Careful! Analyze the pros and cons before making a decision!

Hello, I'm glad to answer for you No matter which company launches which insurance product will have a hesitation period, generally 10 days or 15 days, during which the policyholder can surrender the policy in full without interest. The insurance surrender process during the hesitation period takes Ping An Insurance as an example. 1. The policyholder should bring the following information to Ping An Insurance Company or its branches or cooperative banks to apply for surrender

1) Application for termination of insurance contract 2) ID card of the policyholder 3) A copy of the passbook of the personal bank settlement account in the name of the policyholder 4) Policy (no need to provide it if the additional insurance is only refunded or if it is an electronic policy) 5) Invoice for the first premium 2) In addition to the necessary information for the surrender of the policyholder, the entrusted person also needs to bring the following information to apply for surrender: 1) Power of attorney 2) ID card of the agent.

If the insurance product is surrendered during the hesitation period, the insurance company can only deduct the cost of 10 yuan and refund the premium in full; If the policy is surrendered after the cooling-off period, only the cash value of the policy will be refunded, and there will be a partial financial loss.

In a long-term life insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill its contractual obligations, and when the insured requests to terminate or surrender the policy for any reason during the validity period of the insurance, the insurance company will refund the balance of the liability reserve minus the cancellation deduction to the insured according to the regulations, and this part of the amount is the cash value of the policy.

Extended information] Huatai Property Insurance Co., Ltd. **** is the first national joint-stock property insurance company in China, and the predecessor of Huatai Insurance Group is Huatai Property Insurance Co., Ltd., which was established in 1996. In 1996, it was initiated and established by 63 large enterprises and enterprise groups in Beijing, with a registered capital of 100 million yuan. In August 2011, with the approval of the China Insurance Regulatory Commission, it was renamed Huatai Insurance Group Co., Ltd., with a registered capital of 100 million yuan and headquartered in Beijing.

In 2002, Huatai P&C Insurance introduced ACE Insurance Group as a shareholder and established a strategic partnership. Huatai has been established for 15 years and has adhered to"Intensive management, professional management, quality and efficiency development"The policy of adhering to"Standardized management, steady operation, honesty and trustworthiness, innovation and development"The long-term concept is to continue to make profits while the business is developing steadily, and relying on endogenous capital accumulation, it has developed from a single property insurance company to a financial and insurance group integrating property insurance, life insurance and asset management. Wu Dingfu, chairman of the China Insurance Regulatory Commission, pointed out

In accordance with the requirements of the scientific concept of development, Huatai Insurance has achieved good results in various tasks and produced a good demonstration effect in the industry. "

Huatai Property Insurance Co., Ltd. is China's first national joint-stock property insurance company, officially opened in Beijing on August 29, 1996, the company registered capital of 100 million yuan, more than 50 shareholders are strong, large-scale, good efficiency of large enterprises and enterprise groups, covering finance, petroleum, electric power, metallurgy, coal, chemical, aviation, shipbuilding, shipping, machinery and other 30 industries. The company carries out four categories of insurance business, including property loss, liability, accidental injury and health, and is currently developing credit insurance products, covering many areas of the national economy and people's livelihood. By 2008, the company has set up branches in nearly 60 cities across the country, forming a nationwide business layout.

Hello this friend, when choosing an insurance product, some friends will find that the insurance they bought before is not cost-effective, or does not match their own needs, and they want to surrender the insurance but are afraid of losing too much.

If you want to know how to surrender the insurance policy, you can check here: "How to cancel the insurance policy when you buy the wrong insurance?" 》

If you don't want to pay the insurance, how to surrender the policy with the least loss?

1. Pay the reduction in payment.

Some insurance products come with the right to pay a reduced amount, which means that you do not want to continue to pay premiums and do not ask for a refund of the cash value, but exchange the cash value for a lower amount of coverage than the original.

2. Reduce the sum insured.

If you buy universal insurance, you can adjust the sum insured to meet your expectations.

If you want to focus on protection, you can increase the sum insured of life insurance and critical illness insurance; If you want to focus on insurance and financial management, you can adjust the sum insured of life insurance and critical illness to the minimum, so that more amounts can be compounded into the investment account to earn interest.

3. Policy loans.

If you are purchasing a wealth management insurance with a high cash value, you can consider applying for a policy loan because of temporary capital turnover difficulties.

After the loan, the insurance policy is used as a guarantee, but the protection of the insurance will not be affected.

Generally, the interest rate of the policy loan is 5%-6%, which is lower than the market interest rate, and the loan amount can be up to 80% of the cash value of the policy.

Dad concluded that insurance surrender will cause economic losses and consume time and energy, so Dad does not encourage everyone to blindly surrender insurance. But if you really buy a product that is not suitable, it is also very necessary to stop the loss in time.

There is a hesitation period when the insurance is first purchased, and it can be refunded. If you bought it for a year or two, or longer, it's best to call customer service and ask first. Ask how much you can get back. Under normal circumstances, it is a loss to surrender insurance.

Insurance products are hesitation period, the hesitation period is generally 10 days, the hesitation period is not troublesome, during this period, if the policyholder after careful consideration, found that the type of insurance is not suitable for themselves, the policyholder does not need any reason to ask the insurance company to surrender, and the insurance company also unconditionally surrendered in full.

Points to note when surrendering the policy during the hesitation period:

1. If the policyholder is unable to receive the policy in time due to special circumstances, it is best to notify the insurance company in advance.

2. After receiving the policy, be sure to fill in the policy receipt in person and indicate the date. This is because the insurance company's determination of the cooling-off period is calculated based on the date of receipt.

3. The policyholder must carefully read the terms of the insurance, and if he does not know enough about himself, or has a deviation in his understanding, he should ask the first person in time. Now, the China Insurance Regulatory Commission requires insurance companies to conduct 100% return visits to customers who purchase investment-linked insurance and participating insurance, and make ** recordings. The policyholder and the insured should seize this opportunity to verify with the returning visitor.

4. If the policy is to be surrendered, the policyholder can surrender the policy without any reason, but the application must be made in writing.