After buying Ping An insurance for three months, how much Ping An Fu can be refunded for 4100

Hello, buying insurance is not to refund, but to protect yourself and your family, take care of things, and save money when you have nothing to do.

Ping An Fu is a high-security product, worth having! It is recommended not to return, if you really want to return, you will have a loss.

Why do you want to retreat, Ping An Fu's insurance is very good and perfect.

What you saw when you bought it was protection, and now you choose to surrender the policy, do you not need these protections?

Why should you cancel the insurance? Tell me about it.

This kind of insurance is very good, why should you withdraw it?

Why do you want to return, you want to see your protection.

Hello, can you ask what is the reason for surrender?

Why do you want to retreat it?

If you want to surrender the insurance after three years of paying Ping An Fu, the insurance company will have a corresponding refund at this time, which is equal to how much insurance you paid, and you will get a refund of 7 15 of the insurance you paid. And sometimes it is also related to the fees paid in advance, and if you pay more money, you will return more money. If you come across an insurance company that is not a regular insurance company and he will not refund you, you can take legal action and use the law to defend your rights.

Insurance can be surrendered, surrender is an operation allowed by the insurance company, but surrender also needs to know some skills, otherwise it is likely to cause financial losses to yourself. I'll give you an analysis here.

One. How much can I get back when I surrender my insurance.

1.Surrender during the cooling-off period.

The cooling-off period is generally 10-15 days.

2.Surrender after the cooling-off period.

After the cooling-off period, there is a certain amount of economic loss in surrendering the policy. The insurance company usually only refunds the cash value of the policy.

The cash value is the money that can be returned when the policy is surrendered, which is generally written in the insurance contract, and the level of the cash value is usually related to the payment time, and the longer the policy is in effect, the higher the cash value.

If the policy is surrendered for a short period of time, the cash value of the policy is very low, and there will be a greater financial loss if the policy is surrendered at this time.

Two. How to surrender the policy correctly.

1.The surrender loss is small during the cooling-off period.

2.Surrender after the waiting period for new products.

Try to wait until the waiting period for the new product to be surrendered, even if the insured is unfortunate during this period, you can still use the product you intend to surrender to make a claim.

3.It is more cost-effective to surrender the policy after the grace period.

Within 60 days after the cessation of payment, even if the consumer does not pay the premium, he or she can still get insurance protection, and the insurance company will also pay the insurance if the insurance occurs during this period. This is equivalent to enjoying a longer period of coverage.

3. Summary. In general, how much money can be refunded depends mainly on when the policy is surrendered, and the money that can be refunded is linked to the cash value after the hesitation period. And how much you pay the guarantee, the more you pay, the more you will return. Therefore, it is necessary to fully consider whether the user really needs to buy the insurance before buying insurance.

If the user really needs to surrender the policy, it is best to do so during the user's hesitation period, otherwise the cash value of the policy will only be refunded.

In the case of this kind of insurance, such as Ping An Fu series products, the cash value is relatively low if the policy is surrendered.

After paying for three years, I really can't pay and choose to surrender the policy, that is, I will refund about 7 of the amount paid. I have an insurance policy that has been paid for two years and is 10,000 yuan, and the customer service said that it will be less than 1,000 yuan if the policy is surrendered. You can also ask customer service how much you can refund.

You can take the policy and ID card to the Ping An branch to handle it in person, and at this time, the cash value of the surrender of the policy, and the cash value of the insurance product in the early stage is often very low, and the surrender will bear a certain economic loss.

If you have just signed the policy, you can surrender the policy unconditionally, let the salesman do the preservation and surrender, and then hand over the paper policy to the salesman; Or the consumer can directly take the insurance policy and ID card and go to the Ping An branch of China to handle it in person.

If the payment pressure is too great, you can give priority to changing the annual payment to monthly or quarterly payment to ease the payment pressure or reduce the sum insured.

Ping An Fu is a combination insurance product that includes the main insurance and multiple additional insurances, which is launched by Ping An Insurance of China.

I hope it helped you, and I look forward to your praise, thank you!

If you look carefully at the terms of your policy and the cash value of your current policy, you may lose money by surrendering or early surrendering the policy.

It is best not to return, the loss is a bit large, and the capital turnover is not effective, you can use the insurance policy as a loan.

You need to look at the cash value table on the policy.

Or go to the front desk to inquire.

Question: Ping An Insurance has been paid for three years, more than nine jobs a year, how much money can be refunded now! Thank you!

Question: If you don't have an insurance policy, you can probably say the number.

It is not recommended to surrender the policy halfway, the loss is too large and it is not suitable.

If you have purchased an insurance policy that is less than valid and you want to get a refund in the middle of the process, you should not be able to get a refund at all.

Only a small amount of money can be refunded, and it is recommended that it is best not to return.

Hello, why do you want to return, how much can be refunded in the cash value of the contract, I don't know what problems you have encountered, can you say it.

I am an independent insurance broker, not affiliated with any insurance company, can provide you with insurance advice objectively and neutrally, I hope it can help you thank you!

Ping An Fu can be surrendered, but after the hesitation period, it can only return the cash value, not the premium paid, and the cash value can be seen in the policy, corresponding to the first few years of surrender, how much money can be returned. In previous years, the surrender loss was large.

1. Surrender after the cooling-off period.

After the cooling-off period, only the cash value will be refunded. The cash value is the amount of money that can be returned in the event of termination or surrender of the guarantee.

2. The cash value can be found in the following ways:

1.The applicant calls the customer service number of the insurance company and provides the policy number and number to the customer service to enquire about the cash value of the policy.

2.The policyholder can give the policy number to the insurance company's policy service staff. Policy servicers can market the cash value of the policy online.

3.Applicants can bring the policy and identity card to the counter of the insurance company's customer service centre to check the cash value of the policy.

4.Policyholders can view a table of cash values for the current year on a paper contract.

3. Reduced payment.

There may be a loss of the cash value of the refund, and if you choose to apply for a reduction in payment, it can be regarded as a way to reduce the loss.

Reduced payment: If you are unable to pay normally when the policy is in force, but you do not want to surrender the policy, then reduce the sum insured and the policy will continue to be valid.

Of course, not all insurance products have the function of reducing the amount of payment, and you need to ask the insurance company yourself.

4. Pay attention to the following issues before surrendering the policy:

1. If you want to replace the product. Does your current physical condition meet the health notice when buying a new product?

Everyone knows that before applying for insurance, health information is required. Therefore, health status is the most important factor when considering surrender, and it must be fully valued. In the future, if your health deteriorates and there are abnormalities in the physical examination, you may not be able to pass the health notice and be unable to successfully apply for insurance when you buy new products in the future.

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 companies 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 possible to obtain a claim.

There is no fixed amount of premium refunded, and the money refunded is called the cash value of the policy, which needs to be calculated according to the type of insurance, the amount of contributions, and the number of years of payment。Some people are in a fog almost the whole process of buying insurance, confused when signing, and even more dizzy when paying the premium. When I paid for a year, I suddenly regretted it and wanted to surrender the insurance.

The insurance is already in effect, and it is not impossible to surrender the policy, the problem is that you need to deduct a part of the money from the previous premium, and the remaining cash value of the policy can be returned to you.

Some people think that the insurance company's approach is unreasonable, after all, their own insurance is not used at all, in fact, this is just your personal opinion, for the insurance company, this policy has taken effect, which is equivalent to already enjoying the service, as for whether it is used or not has little to do with them. Moreover, after signing the insurance, the insurance company needs to pay the salesman a business commission, which cannot be paid by the insurance company, of course, it should be paid by the policyholder.

After removing this series of expenses, the final amount is called the cash value of the policy, and this money is also the amount that can be refunded in the end, you can directly take the deducted money as liquidated damages, in fact, there is a certain difference between the two. Each person according to their own insurance purchase, the final refund of the premium is not the same, a simple Ping An Fu insurance type is also many, just the version there are several, so the specific amount needs to be calculated.

You can open the insurance contract, which has a page about how the cash value of the policy is calculated, and completely bring your own situation into the formula, and the final result is the amount that the insurance company will refund you. If you can accept this result, go directly to the insurance company with your documents to handle the business. Don't leave the insurance there and don't pay for it, after a long time, it is equivalent to terminating the insurance by default, and the final loss is yourself.

may return two or three thousand, because if you surrender the insurance now, you can only get about 30% of the money, and you are in default.

This is not certain, if you want to surrender the policy, it will be more troublesome, it may only give you a small part, and it will also think that you have breached the contract, and even will not give you a refund.

This needs to be calculated according to the signed insurance regulations, which is generally able to surrender 80%, that is, 4,800 yuan.

If the cash value of health insurance is very low, about 7%-10% of the principal, so don't refund if you buy insurance, since you want to return the policy, you can surrender the policy within 15 days of receiving the contract, and this is a lot of money to refund your insurance premium. I hope you handle it carefully as well.

1. What is Ping An Insurance?

Founded in 1988 in Shekou, Shenzhen, Ping An Insurance (Group) Co., Ltd. is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating financial insurance, banking, investment and other financial services. The company's business includes: investment insurance enterprises; supervise and manage the various domestic and international businesses of the holding and investment enterprises; Carry out the business of using insurance funds; Approved to carry out domestic and international insurance business; Other businesses approved by the China Insurance Regulatory Commission and relevant state departments.

2. How to surrender Ping An Insurance?

Ping An Insurance's official website provides two ways to surrender the policy, both of which require offline policyholders or stakeholders to go in person, one is for the policyholder to bring his or her ID card, the application for termination of the insurance contract, a copy of the passbook of the personal bank settlement account with the policyholder as the account name and the insurance policy, and the other is to find a salesman or immediate family member to go in person, and you need to bring additional documents of the principal. In addition, surrender also needs to see whether the policy is within the hesitation period or outside the hesitation period, which is why it is not recommended to surrender the policy, surrender during the hesitation period, the general insurance company will basically only charge a cost of about 10 yuan, and other costs will be refunded in full. The policyholder can bring his/her ID card, application for termination of insurance contract, original insurance policy, and proof of payment of insurance premium to the counter of Ping An Insurance's offline business outlets to go through the surrender procedures.

If the insurance is surrendered by another person, then the client also needs to provide the power of attorney and the original and copy of the ID card of the entrusting person when handling the surrender.

At present, since the surrender of insurance products will be divided into hesitation period surrender and hesitation period surrender, you can get back all the premiums paid during the hesitation period (Ping An Insurance may charge about 10 yuan for the production cost), and you can only get back the cash value of the policy when you surrender the policy outside the hesitation period, and the cash value of the policy =The premiums paid by the policyholder - the amount of the insurance company's management expenses allocated to the policy - the commission paid by the insurance company to the salesperson for the policy - the net premium that the insurance company has borne the insurance liability of the policy + the interest accrued on the remaining premium. Therefore, the policyholder should try to surrender the policy within the hesitation period indicated in the insurance product, so as to avoid unnecessary financial losses.

Frequently Asked Questions: If the policy is not surrendered within the cooling-off period of Ping An Insurance, the insurance company will only refund the cash value of the policy, which is not very cost-effective.

Hello, you have to return the insurance only one month, this can only refund the cash value of the policy, if the cash value of the health insurance is very low, about 7%-10% of the principal, so you should not refund the insurance, since you want to return, surrender within 15 days of receiving the contract, this is a lot of money to return your insurance premium. I hope you handle it carefully as well.