How to surrender the insurance and give it back? I ve paid 20,000 or 30,000 yuan, and I m only now r

There are usually two forms of surrender channels of China Merchants Cigna Life Insurance Company: one is the bancassurance channel and the other is telemarketing.

Online sales channels. As long as you want to refund, the insurance can be refunded, but some plans have a surrender value.

Some don't, depending on the insurance contract.

1. Two surrender channels.

1.Bancassurance channel - China Merchants Cigna Insurance.

Surrender process. Customers are required to go to the bank branch to submit written information for surrender.

Required information: Application for Termination of Insurance Contract, ID card of the policyholder.

and other copies of valid identity documents.

2.Telemarketing Network sales channel - China Merchants Cigna Insurance surrender process.

The refund amount is less than 10,000 yuan.

Call Customer Service **95362 to apply for a surrender without written information.

The refund amount is greater than 10,000 yuan.

Written materials required for CMB Cigna surrender must be submitted: "Application for Termination of Insurance Contract", copies of valid identity documents such as the policyholder's ID card.

How to submit information for surrender of China Merchants Cigna:

Fax: Fax via 400-888-8299.

Mail: By email.

Mailing: Branch door-to-door and other ways to submit information.

2. Different insurances, different surrenders.

1.Long-term insurance surrender process.

Including all the insurance for sale of China Merchants Cigna with a term of more than 1 year, such as various participating insurances, comprehensive insurance, etc.).

Cooling-off period. Within the surrender of the policy, CMB Cigna will refund all the premiums paid without interest.

Surrender the policy after the cooling-off period and get a refund of the cash value.

The balance after deducting the outstanding amount.

2.Short-term insurance surrender process.

All of Cigna's insurance policies are sold with a term of less than 1 year, including one-year insurance, such as one-year accident insurance, medical insurance, and very short-term travel insurance. ）

Surrender the policy during the cooling-off period and receive a full refund of the premium paid without interest.

If the policy is surrendered after the cooling-off period, the premium will be paid monthly without any refund; In addition to the monthly payment, Cigna will refund the unexpired net premium.

3.Investment-linked insurance.

In addition to providing risk protection, all the products on sale of China Merchants Cigna also have investment functions. ）

If the policy is surrendered during the cooling-off period, if the investment is made after the end of the cooling-off period of the contract, all insurance premiums paid will be refunded without interest; If the investment is made immediately after the contract comes into effect, the account value will be refunded.

After the cooling-off period, Cigna will refund the account value and deduct the balance after the surrender fee.

Note: Cooling-off period: A number of days after the policyholder signs the policy, during which the policyholder can apply for termination of the contract, and the insurance company will refund the full insurance premium after deducting the production cost (CMB Cigna does not charge the production cost).

It is calculated as follows: the most recently paid premium x (1 the number of days covered by the premium and the number of days covered by the premium) x (1 - 35%).

Account Value: The Individual Account Value is equal to the sum of the number of units invested by the policyholder in each investment account and the number of units invested in each investment account and the number of units invested** on the corresponding valuation date.

After purchasing a life insurance policy, if you need to know the account value of the policy, you can generally log on to the official website of the insurance company to check it.

As long as you want to return, you can definitely return, you can apply over the counter, or you can call customer service**; It's just that you have to look at how much money you can refund now, long-term insurance, and there will be losses when you surrender the policy halfway, and you can only get the cash value. It also depends on your insurance contract.

According to public information, China Merchants Cigna Life Insurance **** is a Sino-US joint venture life insurance company jointly funded and established by Cigna North America Life Insurance Company and a subsidiary of China Merchants Group. In 2013, the company completed the equity transfer, and China Merchants Bank officially became the Chinese shareholder of China Merchants Cigna Life Insurance Company. At present, the company has set up a total of 28 branches across the country.

In general, China Merchants Cigna Life Insurance has always been at the forefront of the industry in terms of insight into consumer needs. Indeed, the insurance industry is also a service industry, and enterprises must start from the needs of consumers. China Merchants Cigna Life hopes to use the research and development of insurance products to continuously solve the pain points of consumers and bring consumers a better life experience with the improvement of insurance services.

We have reason to believe that if more and more companies like China Merchants Cigna Life Insurance have been providing high-quality services to consumers, then the happiness of people's lives will also be greatly improved.

Not only that, in order to make it easier and more convenient for customers to seek medical treatment, China Merchants Cigna Life Insurance has expanded the layout of the direct payment medical network to achieve the effective connection between insurance and medical services. When within a certain scope of protection, customers will be directly billed by China Merchants Cigna Life Insurance for medical treatment at direct-bill partner hospitals, and customers do not need to bear additional burdens, greatly simplifying the process and upgrading the experience. At present, more than 800 hospitals in China have established a direct payment partnership with China Merchants Cigna Life Insurance.

Among them, there are 55 direct payment hospitals of China Merchants Cigna Life Insurance on the list of the top 100 hospitals in the country, which shows its strength. In the future, China Merchants Cigna Life Insurance will continue to focus on the layout of the health care industry, and strive to enable more people to enjoy a better life happily, healthily and securely.

Summary. You can take a look at your cash value chart to see how much you can get back when you surrender your policy.

If it is a normal surrender and is not in the cooling-off period, the only thing that can be refunded is the cash value specified in the contract. For example, the contract stipulates that the insurance is 5,000 yuan, and the cash value in the first year is only 500 yuan, and if the policyholder surrenders the insurance in the current year, the money he can get is only 500 yuan, which is a full loss of 4,500 yuan, and the loss is relatively large. Therefore, you must think carefully when you surrender the policy.

Hope mine can help you.

China Merchants Cigna I pay 550 a month to buy a six-year surrender how much can I refund.

You can take a look at your cash value chart to see how much money you can get back when you surrender the policy. If it is a normal surrender and is not in the cooling-off period, the only thing that can be returned is the cash value specified in the contract. For example, the contract stipulates that the insurance is 5,000 yuan, and the cash value in the first year is only 500 yuan, and if the policyholder surrenders the insurance in the current year, the money he can get is only 500 yuan, which is a full loss of 4,500 yuan, and the loss is relatively large.

Therefore, everyone must think carefully when surrendering the insurance. Hope mine can help you.

Is there any way to get all the money back?

The policy is invalid, this method is less common, and requires the policyholder to have a sufficient factual basis when proposing that the policy is invalid, and it is necessary to leave evidence of the insurance company's illegal operation, recording or chat records, such as the salesman signing on behalf of the policyholder, or giving the policyholder a gift and stuffing red envelopes, as well as exaggerating the insurance content, these are all illegal operations of the number of Huai chain, and the contract signed under the illegal operation is deemed invalid, and it can be used to declare to the insurance company that the policy is surrendered in full.

I bought this through the customer service of Everbright Credit Card at that time, and I didn't sign it personally.

Is it **customer service?

You can call the insurance company to surrender the policy, and the contract will be invalid and the insurance money will be refunded.

Yes, is that okay.

Yes, you can try it. If the insurance company does not surrender the policy easily, how can the money you get be easily given up, but you can try.

Well, there was a ** recording of the customer service at that time.

Well, yes, that's still the best.

If you can't, you can complain about 12378 is China's first national unified insurance consumer complaint and rights protection**, can you help recommend a professional like this?

Yes, wait a minute.

This one is for a lawyer.

If you need my help, I'm here to help.

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