I was deceived into buying Huaxia Insurance, and now I have to deduct more than half of the surrende

Xueba talks about insurance, focusing on insurance evaluation! When buying critical illness insurance, it is best to compare several products, consider carefully, and don't regret wanting to surrender the policy in the end, which will cause economic lossesTop 10 [Not Worth Buying] Critical Illness Insurance Points!

Huaxia Insurance, it is normal to deduct more than half of the surrender policy now, and the insurance will rebate these expenses when surrendering: <>

Some people are not serious about buying insurance, but then they feel that the insurance is not good enough and want to surrender it. Therefore, if you don't know the knowledge of surrender, you can read this article to learn itHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Under normal circumstances, you will not get back the full amount of the premium paid if you surrender the policy, except in two cases:

1.Cooling-off period surrender:About 10-15 days after the purchase of insurance, it is generally called the hesitation period of insurance, during which the surrender of the policy can be said to be basically no loss;

2.Sales misleading:If the insurance contract is signed under the misleading judgment of the salesman, and the signature in the insurance contract that makes the contract valid is not signed by the person, it is very likely that the full amount will be refunded.

If it is not in these two cases, there will be a certain degree of economic loss, and what can be done is to minimize the loss, such as choosing to reduce the amount and pay it off

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

This is more cost-effective than surrendering, but whether everyone can use this plan to deal with it, whether this plan can be implemented depends on what the insurance company says.

In addition,These situations are also critical for surrender:

Usually, it is best to buy a new policy and return the old policy after the waiting period has passed, so that the coverage will not be interrupted.

2.Health Status:If you are not in good health, it is very likely that you will not be able to pass the health notification of the new insurance, so it may be difficult to buy other benefits after surrendering the policy, so it is not recommended to return.

3.Payment card balance:If you have already thought that you will definitely surrender the policy, it is recommended not to save money in the card where the premium is paid, and withdraw the remaining money first, so as not to be deducted again when the payment period comes. Hope!

Self-surrender is according to the cash ** table on the insurance contract.

We can help you surrender the policy in full.

Insurance products have a "cooling-off period". Compared with the zero loss of surrender during the hesitation period, the surrender loss after hesitation will be very large.

But with the right approach, you can minimize the loss. If you want to surrender the policy, you can take a look at this article first:

How to surrender insurance, how much can be refunded, and how to reduce surrender losses?

Surrendering the policy after the cooling-off period will cause a significant financial loss because the insurance company will only return the cash value.

But there are still many ways to reduce financial losses:

If you want to surrender the policy because of misleading sales, you can file a complaint with the insurance company or the China Banking and Insurance Regulatory Commission to protect the legitimate rights and interests of consumers. Even if you can't get the full amount back, you can get back most of your premium.

If you choose to surrender the policy due to financial pressure, you can only reduce the loss by reducing the amount of payment.

The so-called reduction payment is to reduce the sum insured (such as 500,000 to 200,000), and the cash value is used as the premium, and there is no need to pay again in the later stage, and the policy is still valid.

The above methods can minimize the loss, but the surrender is more complicated, and there are many things to pay attention to, so I won't go into details. If you want to know the specific details, you can see this article:

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

Before buying insurance, you must first understand these key knowledge points!

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There are two ways to apply for surrender of Huaxia Insurance:

1. If the policy is surrendered within the 10-day hesitation period, the surrender during the hesitation period will only deduct the cost of production and the insured amount will be refunded;

2. If you apply for surrender after the cooling-off period, you will only be refunded the cash value of the policy, and if the premium paid and the cash value are not equal, you will generally lose more than 50% of the premium paid.

Huaxia Insurance's main business includes life insurance, health insurance and accident insurance, as well as reinsurance business of the above businesses, and at the same time carries out the use of insurance funds permitted by national laws and regulations. China Life Insurance Co., Ltd. is committed to product innovation, providing users with the most needed and intimate comprehensive insurance solutions, and taking the lead in introducing the "second compensation for critical illness" in China, which has promoted the upgrading of critical illness insurance products in China. Huaxia Insurance's project design focuses on customer needs, and has realized the whole process from insurance application, underwriting, preservation and claim settlement online.

I was going to save money. Find yourself buying insurance.

Huaxia Insurance. Upon surrender of the policy, the insurance company will refund the policyholder the cash value of the current policy.

Instead of being deducted as a percentage.

The policyholder can check how the terms of the contract are agreed on the specific cash value, but if the policyholder surrenders the policy within the cooling-off period, the insurance company will generally refund the full amount in addition to deducting the cost of production. In short, surrendering the insurance will cause a certain loss to the policyholder's economy, so the policyholder must think carefully before applying for insurance, and do not blindly apply for insurance.

The surrender process is as follows:

1. The policyholder needs to submit a surrender application to the insurance company.

2. The insurance company shall review the surrender application submitted by the policyholder, and if it passes the review, the business management department of the insurance company shall issue a surrender approval form

3. The policyholder needs to bring his or her ID card.

and the surrender endorsement to the insurance company to handle the surrender and receive the surrender fee.

Summary. Surrender can generally be handled in the following ways:1

Apply to the insurance company for a surrender, for example, you can call the insurance company's customer service** to apply for a surrender. Another advantage of this is that you can consult the customer service about the specific information required for surrender, so as to avoid the situation that you cannot surrender the insurance and run in vain due to incomplete information2.To prepare the surrender materials, it is generally necessary to prepare the policyholder's valid identity document, insurance policy, premium payment certificate, application for termination of insurance contract, etc.

Among them, the application for termination of the insurance contract can generally be made on the official website of the insurance company**, or it can also be filled in directly at the insurance company;3.Bring the surrender materials to the insurance company to go through the surrender procedures, and the staff of the insurance company will generally assist in the surrender, usually to withdraw the policy and give the surrender certificate to the surrenderer4.The surrender money will be credited to the bank account designated by the policyholder within the agreed time.

Hello dear, you can refund 30% of the premium paid 60%.

Because the surrender can only be the cash value of the insurance, how much can be refunded can be opened in the cash value table of the single round of insurance to see what is the corresponding cash value of the corresponding year

Another advantage of this is that you can consult the customer service about the specific information required for surrender, so as to avoid the situation that you cannot surrender the insurance and run in vain due to incomplete information2.Prepare the surrender materials, generally you need to prepare the policyholder's valid identity document, insurance policy, premium payment certificate, application for termination of insurance contract, etc. Among them, the application for termination of the insurance contract can generally be made on the official website of the insurance company**, or it can also be filled in directly at the insurance company;3.

Bring the surrender materials to the insurance company to go through the surrender procedures, and the staff of the insurance company will generally assist in the surrender, usually to withdraw the policy and give the surrender certificate to the surrenderer4.The surrender money will be credited to the bank account designated by the applicant within the agreed time. If it is an insurance product purchased on the policy, then it is generally possible to surrender the policy directly.

Summary. Hello dear!There are about three ways to surrender the policy:

1. **Surrender. We only need to call Huaxia Insurance's customer service **95300, transfer to manual customer service, and apply for surrender through our own policy and personal identity information. 2. Surrender over the counter.

This requires us to bring our Huaxia Insurance policy, ID card, proof of premium payment, our own bank card and other information to Huaxia Insurance Company in our area, and fill in the "Huaxia Insurance Surrender Application" under the guidance of the staff to go through the surrender procedures. 3. Online surrender. Log in to the official ** of Huaxia Insurance, click on the customer service above to consult the surrender process, and if you don't understand the process provided by the robot, you can also turn to a manual to answer questions for us, and you may need to queue up during peak hours.

How to return the surrender of Huaxia Insurance? How much to refund.

Hello dear!There are about the following three ways to surrender the policy: 1. **Surrender.

We only need to call Huaxia Insurance's customer service **95300, transfer to manual customer service, and apply for surrender through our own policy and personal identity information. 2. Surrender over the counter. This requires us to bring our Huaxia Insurance policy, ID card, proof of premium payment, our own bank card and other information to Huaxia Insurance Company in our area, and fill in the "Huaxia Insurance Surrender Application" under the guidance of the staff to go through the surrender procedures.

3. Online surrender. Log in to the official ** of Huaxia Insurance, click on the customer service above to consult the surrender process, and if you don't understand the process provided by the robot, you can also turn to a manual to answer questions for us, and you may need to queue up during peak hours.

There are two types of surrenders. 1. If the policy is surrendered during the hesitation period, Huaxia Insurance Company will only charge a symbolic cost of ten yuan, and then the premium will be refunded to us in full. Generally speaking, the hesitation period of Huaxia life insurance products is within 15 days, so you must see it clearly in the corresponding policy.

2. Surrender outside the hesitation period, it is more difficult to surrender the policy in full under normal surrender, and you can only return the cash value. There will be a separate page in the policy of each China Life Insurance that explains the cash value of this policy, if you don't know how to find it, you can also call the customer service of China Life Insurance at 95300 to inquire about the cash value of our policy.

Summary. Huaxia Insurance can be surrendered after two years, but the premise is that our products are not out of insurance, if the product has been out of insurance, then under normal circumstances, you can no longer surrender the policy, specifically, you can look at the provisions of the contract or ask the insurance company.

If the product has additional insurance, and the additional insurance is out of insurance, it will generally not affect the surrender of the main insurance, and you need to consult the insurance company for specific situations.

Surrender is our legitimate interest, if we have not been out of insurance, we can apply to the insurance company to surrender the policy, the insurance company has no right to refuse.

How much can Huaxia Insurance refund after two years?

Huaxia Insurance can be surrendered after two years, but the premise is that our products are not out of insurance, if the product has been out of insurance, then under normal circumstances, you can no longer go to the refund of Jing Wang's insurance, you can look at the provisions of the contract or ask the insurance company. If the product has additional insurance, and the additional insurance is out of insurance, it will generally not affect the surrender of the main insurance, and you need to consult the insurance company for specific situations. Surrender is our legitimate rights and interests, if we have not been out of insurance, we can apply to the insurance company to surrender, the insurance company is not the right to refuse.

Mainly look at the nature of the insurance, if it is a consumer product, then the amount he can refund is the premium for the rest of the time, so there is not much cost. It is said that it is a savings dividend type of this kind of product, it has a certain value of the forest service, and at this time, if you surrender the policy, you can return a part of the cash value. If you surrender the policy in the second year, you can generally return about 20% or 30%, if you need to look at the insurance policy, the insurance policy has a record of cash value data, you can look at the cash value at the end of each year, which can be used as a reference for our surrender, basically we return the amount of money that is about the same as him.

First of all, we can see whether this product can be surrendered through the Internet, mainly by asking the insurance company or through the online platform. If you can't surrender the policy through the Internet, we can go to Huaxia Insurance's offline business outlets to submit information for surrender processing. At this time, we need to call the customer service of the insurance company**, and then ask where the business outlets of Huaxia Insurance are in the report, what kind of information we need to bring, and we can submit the information to the insurance company when we are ready, and the insurance company will review it, and then surrender the policy to us.

Brother Ji is specific, you can consult the customer service of the insurance company is the easiest, the customer service staff will tell you how to apply for surrender, you can follow the steps. The above is an introduction to a related question about Huichen Ming who bought a two-year surrender policy in Huaxia Insurance, if you want to surrender the policy, you must consult the insurance company in the decision, I hope it will help you.