New Rural Insurance, I want to surrender the insurance, how to refund?

Recently, I found that many people who surrender their policies are surrendering critical illness insurance, and indeed critical illness insurance is a complex type of insurance, and it is inevitable that sometimes I regret buying it"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

How to surrender the policy? There are two forms: online surrender and offline surrender.

(1) Online surrender

Generally speaking, you can find the policy on the personal homepage of the insurance, apply for surrender, and operate according to the above requirements, but relatively few insurance can be surrendered directly, and many policies need to be surrendered by yourself or a person to the insurance company.

What you should understand is that for the insurance purchased in the bank APP, the surrender of the policy often has to find the insurance company where the policy is located, because the bank cannot issue insurance products by itself, and it is the insurance company that really provides protection, so the bank cannot handle the policy-related business.

Here's an analysis:Is it reliable to buy insurance online? What is the difference between online and offline insurance? 》

(2) Offline surrender

Offline surrender is generally this process:

It is not necessary to play **, but you can make sure that you have all the information, so that you are not afraid of running back to get it again. The insurance company must accept the surrender of the policyholder, but the surrender can only return the cash value, and a part of the loss will be made, so you must be mentally prepared. The stipulation is that the validity of the insurance policy shall be terminated from the time the insurance company receives the application for termination of the insurance contract, and the insurance company will refund the cash value of the contract within 30 days from the date of receipt of the relevant certificates and materials.

If you have already decided to surrender the policy, you should remember this sentence: the old policy should not be surrendered until the new policy takes effect, so as to ensure that the protection will not be broken, which has to be emphasized.

Space is limited, I put the details of the surrender here:What are the details to pay attention to when surrendering an insurance policy? 》Hope!

The new rural insurance does not support surrender under special circumstances, which is a national policy to benefit farmers, why surrender it

I have been buying the new rural insurance since 2010, and I don't want to buy it now, how to handle the surrender?

Legal analysis: (1) First of all, write a surrender application, indicating the reason for surrender, and attach relevant materials, such as household registration, further education, recruitment and other materials, to the township management agency to go through the surrender procedures. (2) The township management agency will review the relevant certificates provided by the surrenderer, sign the opinion, and report to the county-level insurance agency together with the payment certificate and payment record card of the applicant for surrender.

3) The county-level insurance agency will review the materials submitted by Chunweimeng, and if it meets the conditions for bridging the surrender, it will calculate the amount of insurance money refunded.

Legal basis: "Opinions on Further Strengthening and Improving the Work of Minimum Livelihood Security" (4) Strengthen the dynamic management of minimum livelihood security recipients. For those who have already been included in the scope of the minimum livelihood guarantee, it is necessary to adopt a variety of methods to strengthen management services, regularly track the changes in the families of the recipients of the guarantee, and form a dynamic management mechanism in which the recipients of the minimum livelihood allowance enter and exit, and the level of subsidies rises and falls.

All localities should establish a system for regular reporting on the population, income, and property status of households with minimum subsistence allowances, and carry out regular inspections based on the classification of the reports, so that those who no longer meet the requirements will be promptly withdrawn from the scope of coverage. For the "three no-personnel" who have no livelihood, no ability to work, and no legal obligation to support, raise, and support, they can be verified once a year; For households whose income does not change much in the short term, it can be verified every six months; For households with a minimum subsistence allowance whose income is not fixed and whose members have the ability to work and working conditions, in principle, monthly mountain stoves in urban areas and quarterly verification in rural areas are implemented.

1. The insured applies for surrender, which requires the insured to submit an application for surrender to the local medical insurance management center for urban and rural residents, fill in the cancellation registration form, and fill in the information must be true, and do not falsify, otherwise it will affect the results;

2. Submit the application materials for the surrender of agricultural insurance, such as: the identity certificate of the insured, the household registration certificate, the payment voucher, the surrender application form, etc., and submit the materials to the township social security center where the household registration is located for filing;

3. After passing the review of the staff of the township social security center, the relevant township basic medical insurance refund notice will be issued if the application for surrender is approved.

4. After getting the township bill for the surrender section, you can go to the financial office of the township social security center to go through the refund procedures at the specified time.

Extended information] What are the conditions for the surrender of agricultural insurance.

1. Repeated insurance, the insured has not reached the retirement age and participates in the social security of employees at this time, and I can go to the social security service center in the street or township to go through the surrender procedures;

2. In the event of the death of the insured, the relatives of the insured, that is, the legal heirs, can surrender the insurance to the town or street social security service center;

3. If you immigrate abroad and are not legally insured in China, you can go through the procedures for surrendering the agricultural insurance to the local social security service center before immigrating.

3. Can I pay it again after the agricultural insurance is refunded?

Of course, you can pay again after the agricultural insurance is returned, and the previous agricultural insurance procedures are the same, and you can apply for it at the social security service center with the insurance information;

First, the information required for insurance: the insured ID card, household registration book, household registration, social security card application registration form and other materials in a certain city, pay attention to the materials must be complete, if not complete, you need to bear the consequences of not being able to handle it.

Second, the staff of the social security service center will review the materials at the same time, and the staff will be on the municipal information exchange platform ** applicant related information, after verification, if the submitted materials are consistent with the facts, you can apply for insurance.

Legal analysis: NCMS can be refunded if the payment is heavy. According to the relevant documents, the new rural insurance policyholder can apply for a one-time return to the personal account after reaching the age of 60. When surrendering the insurance, you need to bring your ID card to the social security bureau for processing.

You can go to the local village (resident) committee or township (town) finance office to handle it, taking Harbin City as an example.

Legal basis: Article 15 of the Administrative Measures for the New Rural Cooperative Medical Care in Harbin implements a combination of individual payment of rolling fees, collective support and subsidies. The remaining residents of rural households shall pay the fees for their family members to participate in the NCMS to the village (resident) committee at the place of household registration, the place of habitual residence, or the township (town) finance department.

If the payment time needs to be adjusted, the health administrative department shall announce it to the public after being approved by the people at the same level. Financial subsidy funds, various types of funding and donation funds at all levels shall be handled in accordance with the prescribed time and procedures.

The cost of agricultural insurance is generally not refundable, if there is duplication, it can be integrated or transferred, if it is a death is not refunded, the cost of agricultural insurance is also very low, and there is no point in returning, if it is medical insurance, if it is my retirement or other accident reasons, you can refund according to the time.

In the case of a refund, different relevant certificates should be issued according to the reason, such as the death certificate issued by the hospital, or the cremation certificate issued by the civil affairs department, or the certificate of cancellation of the household registration issued by the public security department, as well as the valid certificate of the designated beneficiary or legal heir, the legal document that can determine the inheritance right, and the social security retirement certificate, etc. If the person is missing and declared dead, the death certificate issued by the judicial department shall be provided, and the town (street) social security service center or the assistant clerk of the county unit shall settle the balance of the funds in his personal account and terminate the new rural insurance relationship, and Wu Ji shall promptly submit the relevant materials to the agricultural security section of the county social security center for approval.

Summary. 1. Steps for the surrender of agricultural insurance: 1. First of all, the farmer insured person shall submit a written application to the local agricultural insurance administration at or above the county level, prepare relevant supporting materials, and apply for the surrender of agricultural insurance.

2. The surrender application shall include: the basic information of the applicant; the reason for applying for surrender; the year in which the application for surrender is made; The type of crop for which the surrender procedure is applied. 3. Proof of application for surrender:

Farmers who participate in insurance shall provide valid proof of the completion of insurance registration in the previous year; If the registration for insurance has not been completed, other valid supporting materials shall be provided. 4. According to the application and relevant materials submitted by the farmers, the agricultural insurance management agency shall judge whether the conditions for surrender are met, and notify the insured persons of the results of surrender in a timely manner. 5. After the surrender is completed, the insured person shall apply for a surrender certificate within the specified time to prove that he has completed the surrender procedures.

2. Please note after surrendering: 1. After surrendering, the insured needs to record the agricultural insurance contract, insurance registration form, and other relevant supporting materials for insurance in a timely manner. 2. After surrendering the insurance, the insured shall handle the payment and liquidation in a timely manner, withdraw the insurance certificate, and accurately count the premiums paid in the insurance year.

3. After surrendering, the insured shall promptly notify the agricultural insurance administration at or above the county level to apply for a certificate of surrender of agricultural insurance. 4. After surrendering the insurance, the insured person shall accurately fill in the insurance registration form and pay the fee in strict accordance with the specified time.

1. Steps for the surrender of agricultural insurance: 1. First of all, the farmer insured person shall submit a written application to the local agricultural insurance administration at or above the county level, prepare relevant supporting materials, and apply for the surrender of agricultural insurance. 2. The surrender application shall include:

Basic information of the applicant; the reason for applying for surrender; The year in which the application is made for the procedures for annealing the bucket with the royal belt; The type of crop for which the surrender procedure is applied. 3. Proof of application for surrender: Farmers who participate in insurance shall provide valid proof of completion of insurance registration in the previous year; If the registration for insurance has not been completed, other valid supporting materials shall be provided.

4. According to the application and relevant materials submitted by the farmers, the agricultural insurance management agency shall judge whether the conditions for surrender are met, and notify the insured persons of the results of surrender in a timely manner. 5. After the surrender is completed, the insured person shall apply for a surrender certificate within the specified time to prove that he has completed the surrender procedures. 2. Please note after surrender:

1. After surrendering the insurance, the insured needs to timely record the agricultural insurance contract, insurance registration form, and other relevant supporting materials for insurance. 2. After surrendering the insurance, the insured shall handle the payment and liquidation in a timely manner, withdraw the insurance certificate, and accurately count the premiums paid in the insurance year. 3. After surrendering, the insured shall promptly notify the agricultural insurance administration at or above the county level to apply for a certificate of surrender of agricultural insurance.

4. After surrendering the insurance, the insured person shall accurately fill in the insurance registration form and pay the fee in strict accordance with the specified time.

Do you need to go in person?

Absolutely.

If the new rural insurance is returned, the social security center in the place of insurance will issue a certificate of social security payment, and then go to the agricultural insurance office to handle the surrender with the payment procedures of the agricultural insurance after the first socks.

If the insured person needs to go through the procedures for the connection of the urban employee pension insurance and the urban and rural residents' pension insurance system, the place of receiving the benefits shall be determined in accordance with the relevant provisions of the urban employee pension insurance, and the pension insurance relationship of the urban employee pension insurance shall be collected to the place where the benefits are received, and then the system connection procedures shall be handled. When the insured person applies for the system connection formalities, if the pension insurance for urban and rural residents is transferred to the pension insurance for urban employees, the application shall be submitted at the place where the pension insurance benefits of urban employees are received; If the pension insurance for urban employees is transferred to the pension insurance for urban and rural residents, the application shall be submitted at the place where the pension insurance benefits of urban and rural residents are transferred.

If the insured person is transferred from the urban and rural residents' pension insurance to the urban employees' pension insurance, all the savings in the personal account of the urban and rural residents' pension insurance shall be merged into the personal account of the urban employees' pension insurance, and the payment period of the urban and rural residents' pension insurance shall not be calculated or converted into the payment period of the urban employees' pension insurance.

Social Insurance Law of the People's Republic of China

Article 10 Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance at the employer, and other flexibly employed persons may participate in the basic pension insurance, and the basic pension insurance premiums shall be paid by the individual.

The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***. Article 12 The employer shall pay the basic endowment insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic endowment insurance pool.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who do not participate in the basic endowment insurance in the employer, and other flexibly employed persons who participate in the basic endowment insurance shall pay the basic endowment insurance premiums in accordance with the provisions of the state, which shall be credited to the basic endowment insurance co-ordination and personal accounts respectively.

The New Rural Insurance can be surrendered in accordance with the following procedures:

1. The surrenderer writes the surrender application, stating the reason for the surrender, and brings the relevant materials to the township management agency to apply for surrender.

2. The township management agency reviews the materials submitted by the surrenderer, signs the opinion, and reports to the county-level insurance institution together with the payment certificate and payment record card of the applicant for surrender.

3. The county-level insurance agency will review the materials reported, and calculate the amount of insurance money refunded for those who meet the conditions for surrender, and return the money to the surrenderer on time.