The issue of return and exchange of insurance benefits after the cancellation of the insurance contr

In fact, health insurance is a lifelong need for each of us, and I don't know why you want to surrender the policy. And "Taiping Fulu Shuangzhi" is a very good health insurance. As you get older, the chance of suffering from a major illness is increasing, you have been saving for three years, the sum insured has increased, and the money you save every year is only 1323 yuan, which should be no burden for the vast majority of people.

When you want to buy health insurance again in the future, you will definitely not be able to buy the same amount of insurance for 1323 yuan. I don't know what kind of considerations you bought it for, whether it was for health or financial management.

I just bought it, and my contract comes with a "cash value table", I don't know if you didn't have it when you bought it. You can call 95589** and ask the staff to check the cash value of the policy for the year you are ready to surrender.

Fulu double to 2007, now the market has been discontinued. The 07 Fulu you bought at that time was not only cheap, but also quite good. There are 35 serious illnesses in the coverage, because the risk factors of birth, old age, sickness, death and disability are uncontrollable. Individuals don't mind if you surrender your policy.

If in the unlikely event you want to surrender the policy. Generally, the surrender of critical illness insurance is around 10%-20% of the premium. It depends on the cash value at the back of your policy, plus the dividends paid by the insurance company. It's the money you get when you surrender the policy.

Choosing to surrender the insurance is actually a unilateral tearing up of the contract, and you need to bear economic losses. Please think carefully.

The first thing to see if you are eligible for unemployment insurance benefits. If you terminate the contract in accordance with Article 38 of the Labor Contract Law, you can receive unemployment insurance benefits. According to Article 13 of the Ministry of Human Resources and Social Security's Several Provisions on the Implementation of the Social Insurance Law of the People's Republic of China, if the employer is at fault under Article 38 of the Labor Contract Law, and the employee takes the initiative to terminate the contract in accordance with Article 38, it is an interruption of employment without his will.

And be aware that you don't meet the requirements of this law. Article 45 of the Social Insurance Law provides that an unemployed person who meets the following conditions shall receive unemployment insurance money from unemployment insurance**:

1) The employer and the person have paid unemployment insurance premiums for one year before becoming unemployed;

2) Interruption of employment not due to the person's will;

3) Have been registered as unemployed and have a request to seek employment.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

When you cancel the insurance contract, you can refund the insurance premium in the following ways:

1. The policyholder issues a notice of termination of the merger;

2. Within 30 days from the date of receipt of the notice, the insurer shall refund the remaining cash value of the insurance policy after deducting the receivable part in accordance with the contract.

[Legal basis].

Article 47 of the Insurance Law of the People's Republic of China.

If the policyholder terminates the contract, the insurer shall, within 30 days from the date of receipt of the notice of termination, return the cash value of the insurance policy in accordance with the contract.

Article 49.

If the subject matter of insurance is transferred, the transferee of the subject matter of insurance inherits the rights and obligations of the insured.

In the case of the transfer of the subject matter of insurance, the insured or the transferee shall notify the insurer in a timely manner, except for the cargo transportation insurance contract and the contract otherwise agreed.

If the degree of danger increases significantly due to the transfer of the subject matter of insurance, the insurer may, within 30 days from the date of receipt of the notice provided for in the preceding paragraph, increase the insurance premium or terminate the contract in accordance with the contract. If the insurer terminates the contract, it shall refund the insurance premium already collected to the policyholder after deducting the part receivable from the date of commencement of the insurance liability to the date of removal of the lead in the contract.

If the insured or the transferee fails to perform the notification obligation provided for in the second paragraph of this article, the insurer shall not be liable for the compensation of the insurance money for the insured accident that occurs due to the significant increase in the risk of the insured object due to the transfer.

Legal Analysis: In general, if you terminate the insurance contract, you will be refunded a part of the insurance premium, but you will not be refunded in full, and a part of the handling fee will be charged.

Legal basis: Insurance Law of the People's Republic of China

Article 12 The policyholder of life insurance shall have an insurance interest in the insured at the time of the conclusion of the insurance contract.

The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event.

Life insurance is insurance that takes a person's life and body as the subject of insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance.

The suspected insurer refers to the person whose property or person is protected by the insurance contract and has the right to claim insurance money. The policyholder can be the insured.

Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

Article 13 The insurance contract shall be established upon the consent of the insurer when the policyholder makes an insurance request. The insurer shall issue an insurance policy or other insurance certificate to the policyholder in a timely manner.

The insurance policy or other insurance certificate shall clearly state the content of the contract agreed upon by both parties. The parties may also agree to set out the contents of the contract in other written forms.

The insurance contract established in accordance with the law shall take effect from the time of its establishment. The policyholder and the insurer may agree on the validity of the contract with conditions or a time limit.