I want to refund the insurance I just bought, how can I get a full refund from Ping An Insurance?

With the improvement of more and more people's ideological awareness, more and more people have begun to accept insurance and buy insurance for themselves and their families, but there are also many people who are impulsive when buying insurance, and regret it after buying, so they want to surrender the insurance, so if the insurance wants to be refunded, how can it be fully refunded?

Generally speaking, when the salesman recommends insurance to you, he will tell you that the insurance will have a hesitation period, generally about 20 days, and some 15 days, that is, after purchasing insurance, the parties can carefully consider whether they need it during this hesitation period. Therefore, if it is the insurance you just bought, you can consult your salesman or call the insurance company** to ask about the specific refund process. The one you just bought should be refundable in full.

However, if you want to surrender the policy after the cooling-off period, it is actually very cost-effective, and the insurance company has almost no possibility of refunding the full amount. While you can apply for a refund at any time, the cost of the refund is very small, and it can be less than a tenth of the premium you spent. Therefore, it is very cost-effective, so you should also consider carefully when surrendering the policy at this time.

Buying insurance can avoid risks and reduce the burden of illness or accident on us, now the social pressure is already great, if a major illness or accident occurs, then it is a very large expense, which will bring a serious burden to the family, and even some people will have to wait for death because they can't afford to see a doctor. And we can transfer this risk to the insurance and reduce our stress. In addition, some insurance can also be used for future mortgages, investments, etc.

But when we buy insurance, we must learn more about the insurance protection items and premium insurance amount from the salesman, but the salesman will avoid the important when introducing it, and only talk about the advantages of insurance and not the disadvantages, so we must not buy insurance because of impulse, you can consult more friends who understand insurance, and buy an insurance that is really suitable for you according to your actual situation.

If it is within the cooling-off period, it is possible to get a full refund, if the cooling-off period is over, then you can only negotiate with the account manager.

After such a situation, you should go to the offline agency for consultation in time, generally 15 days after the purchase of insurance are in the hesitation period, within this time to surrender the policy does not need to deduct any fees.

Miscalculated insurance. Guangzhou 2 million insurance claims 50 yuan. Sorry for the miscalculation. Xu Yingqiong has been doing insurance for ten years. Forced to buy 19 insurance policies, he has a debt of more than 1 million so far.

Any insurance company will give you time to consider and read the insurance wording, and it is difficult to get a full refund after that time.

You can take the relevant contract and communicate with the staff accordingly before you can get a full refund.

Ping An Insurance. Surrender can be during the High Index Cooling-off Period.

A full refund is required within the policy application.

The cooling-off period means that within 10 days after receiving the insurance contract, if the policyholder does not agree with the content of the insurance contract, the policyholder can return the contract to the insurer at a loss and apply for revocation. During this period, the insurer agrees to the policyholder's application, rescinds the contract and refunds the premiums received from the airspace distribution department. In the case of surrender during the cooling-off period, the insurance company shall refund all premiums paid by the policyholder and shall not charge any other fees, except for the cost of not exceeding 10 yuan.

If you surrender the policy during the cooling-off period, you must pay attention to the following points:

1. First of all, if you cannot receive the policy in time due to special circumstances, it is best to notify the insurance company in advance;

2. Secondly, receive the insurance policy.

After that, be sure to fill out the policy receipt in person.

and dated. The determination of the cooling-off period by the insurance company is calculated based on the date of receipt;

3. Again, the policyholder must carefully read the terms of the insurance and ask the first person in time to avoid misinsuring.

Ping An surrender insurance can enjoy full surrender during the cooling-off period.

The hesitation period is generally 20 days, which is calculated from the date the policyholder receives the insurance contract. During the cooling-off period, the policyholder can refund the entire premium paid as long as he wants to surrender the policy for any reason.

If you surrender the policy during the cooling-off period, it is important to note that if you are unable to receive the policy in time due to special circumstances, it is best to notify the insurance company in advance. After receiving the insurance policy, you must fill in the policy acknowledgment in person and indicate the date, because the insurance company's determination of the cooling-off period is calculated based on the date of receipt. The policyholder must carefully read the terms of the insurance, and ask the **person in time to avoid misinsuring the content if he does not know enough or understands the content that is biased.

If the salesman makes false publicity, high-yield promises, etc., and participates in the insurance purchase under inducement circumstances, even after the hesitation period has passed, the insurance policy can be surrendered in full during the insurance period, but relevant valid evidence needs to be provided. If the insurance company does not induce the insurance or fails to provide relevant proof, after the cooling-off period, Ping An Insurance Company will not surrender the policy in full.

If Ping An Insurance wants to refund the full amount after surrendering the policy, the user should apply for a refund within the insurance hesitation period before the full amount can be refunded. Generally speaking, the hesitation period of the insurance is between 10 and 15 days, during which the insurance company will surrender the insurance in full in addition to a certain amount of insurance contract cost.

Ping An Insurance can be surrendered at the offline business hall of the insurance company. The policyholder needs to call Ping An Insurance's customer service**, first submit a surrender application to the insurance company, and ask the nearest business outlet of the insurance company. Then, the policyholder brings the policy, bank card, valid payment voucher and other surrender materials to the insurance company's counter.

Among them, the payment voucher requires the policyholder to provide a receipt or invoice for the last payment of insurance premiums. After arriving at the counter, the policyholder needs to fill in the surrender application form and submit the materials to the review window designated by the insurance company. Then, under the guidance of the staff, the policyholder terminates the insurance relationship between the two parties with the insurance company, and waits for the insurance company to return the insurance money after the insurance company's review is completed.

Under what circumstances can Ping An Insurance be fully surrendered?

1.In addition to the full surrender during the hesitation period, after the hesitation period, if the ** person has violated the rules in the sales process, the policy can also be surrendered in full;

2.If the person has inducing or misleading behavior, such as exaggerating the income and claims of insurance products, etc., if there is evidence to prove the existence of the person's audio or video recordings, chat records, etc., which can be used as evidence of full surrender;

3.In the case that he does not know, the ** person has the act of signing on behalf of the person, and can provide the note comparison certificate to request the full surrender of the insurance;

4.**If there is a return or gift during the sales process, you can request a full surrender of the policy.

Although insurance is not a panacea, it is a guarantee that can bring peace of mind. I would like to remind you here that it is best not to surrender the policy unless it is a last resort. First of all, there will be financial losses when you surrender the policy, and secondly, if you want to re-insure, the premium will get higher and higher as you get older, and you may be rejected by the insurance company due to changes in your physical condition or exceeding the prescribed age, so you must be cautious.

What is Surrender?

Surrender means that when the insurance contract is not fully performed, upon the application of the policyholder, the legal relationship determined by the contract between the two parties is terminated, and the insurance company returns the cash value of the insurance policy in accordance with the Insurance Law of the People's Republic of China and the contract.

There are two situations: one is to surrender the policy during the cooling-off period; The second is to surrender the policy outside the hesitation period. During the hesitation period, Ping An Insurance usually supports full surrender, but will deduct 10 yuan of production cost.

If the policy is surrendered beyond the cooling-off period, Ping An will refund the cash value of the insurance policy within 30 days from the date of receipt of the application and relevant supporting materials.

The so-called cash value of the policy is the residual value that can be obtained by giving up the policy. Cash value of the policy = premiums paid by the policyholder Operating costs The risk premiums that the insurance company has borne + the interest accrued on the remaining premiums. Only long-term insurance has a cash value, and one-year consumer insurance has no cash value.

The cash value of long-term insurance is low in the early stage, and surrendering the policy after the hesitation period will face a large loss, which is very uneconomical.

The full surrender of Ping An Insurance can only be obtained if the insurance is within the cooling-off period. For example, if you have bought your insurance for two years and have passed the cooling-off period, you will not be able to surrender the policy in full, and you can only get the cash value of the policy after surrendering.

There is a hesitation period when you buy insurance, no matter what insurance you have, only the hesitation period to surrender the policy can be fully surrendered, you must be careful of those who have told you that the hesitation period can also be "full surrender" of people, now many criminals through ** instigated consumers to complain to the insurance regulatory department and then charge you a high handling fee.

Stay away from the "full surrender" team that claims to be "professional insurance rights protection, nationwide surrender, unlimited region and unlimited insurance company", they often force insurance companies to make abnormal surrenders through "malicious complaints".

It depends on what situation you have, and if it's the insurance company's problem, then you can ask for a full refund.

Ping An Insurance is fully surrendered, why did you consider buying it before surrendering, whether the current insurance needs to be planned for your current family finances, whether the insurance payment exceeds the acceptable range, affects the current quality of life, and so on!

Ping An Insurance Full Surrender Requirements and Procedures for Surrender: The eligible person to apply for surrender is the policyholder.

Ping An Insurance must have had the original intention at that time when choosing to surrender the policy in full, and since I bought it, I wanted to feel at ease.

You can refund the full amount, but you need to have evidence to prove that their salesman has violated the operation, and you can chat with me privately about how to operate.

The full surrender of Ping An Insurance can only be obtained if the insurance is within the cooling-off period.

Ping An Insurance is fully surrendered, and the policyholder can unilaterally terminate the insurance contract during the hesitation period, that is, the policyholder can surrender the insurance at any time and terminate the contract. ‌

According to Article 38 of the Insurance Law of the People's Republic of China, if the policyholder requests to terminate the contract before the commencement of insurance liability, the insurer shall pay a handling fee to the insurer, and the insurer shall refund the insurance premium. After the commencement of the insurance liability, if the policyholder requests to terminate the contract, the insurer may collect the special insurance fee for the period from the date of commencement of the insurance liability to the date of termination of the contract, and the remaining part shall be refunded to the policyholder.

Full surrender of Ping An InsuranceNo matter what kind of insurance you have, you can only surrender the policy in full if you surrender the policy during the hesitation period.

If the salesman has any non-compliance, he can return it in full!

Ping An Insurance is fully surrendered Ask the insurance customer service, which is the most reliable.

Ping An Insurance is fully surrendered, I don't know why you want to surrender the policy? If you are not stressed to pay the premiums, it is recommended not to surrender the policy easily.

How much money can be refunded by Ping An Insurance can be known by looking at your contract, and there is a cash value table in your contract, which is very clear when compared.

Pretty sure this isn't true, as no insurance company will be liable for policyholders。Insurance companies are still mainly profit-oriented, they are not charities, do you think insurance companies will cover this cost? Don't be whimsical.

There are rumors on the Internet that Ping An Insurance can be fully surrendered. The credibility of these words is very low, they are all lies, and you must not believe them. If you want to surrender the policy in full, you must meet the following two conditions, the first is that the policy is problematic, and the second is that it is still in the cooling-off period

1. Cooling-off period.

We generally have a hesitation period after signing the insurance, and the hesitation period will be adjusted appropriately according to the different insurance companies and policies, but most of the hesitation periods are generally around 10 15 days. If you want to surrender the policy within this time period, then the premium can be fully refunded, of course, the insurance company also needs to deduct about 10 yuan of production costs.

Second, there is a problem with the insurance policy.

If you don't meet the above two conditions, then the insurance company will only refund you the cash value of the policy after surrendering the policy, which is the final amount after deducting the commission to the insurance salesman, the service fee for these years, and all other expenses. It is basically impossible to surrender the policy in full, after all, the insurance company will not cover the loss for you. It can also be seen from this that we should really be cautious when buying insurance, and don't start regretting it after buying it.

This is true, it is very good in Ping An Insurance, and there will be a contract, and the policy can be surrendered in full, so this statement is true.

It's true, now many insurances can be surrendered, as long as you pay the corresponding liquidated damages. You can surrender the policy in full.

It's fake. As long as you have not passed the cooling-off period, you can surrender the policy in full. But if the hesitation period is over, you can't retreat.

With the improvement of our living standards, we pay more and more attention to health preservation, with health problems are also worth paying attention to, nowadays, there are many insurance platforms on the Internet, it is precisely because we pay attention to medical health, we can also choose the right insurance for ourselves on the Internet, but for some platforms, there are loopholes in his insurance system, in the publicity, there are some false information that is easy to mislead us, when we click on the wrong time, it is possible to buy insurance, so how should we surrender the insurance? Today we're going to talk about it.

In fact, there are a lot of this kind of insurance services on the Internet now, some may even use free gimmicks to let us click, after we buy insurance, he will ask for our personal information, and may deduct fees from us, because insurance is equivalent to a service, can be renewed, and some insurance is monthly, so there are still some pits, we need to dodge, for Ping An Insurance, is a relatively complete insurance system, but for him, it is also essential to enter the Internet, Now you can also pay for Ping An Insurance online.

The insurance has a period of time, for one month, you can be refunded in full within seven days, but after seven days, you need to make relevant reasoning according to the procedures and return it proportionally. If you can't surrender the policy smoothly on the Internet, you can actually hold your own policy, but it is not easy to achieve full surrender, because full surrender is a breach of contract in the insurance contract, if you want to surrender the policy, you will have to bear a certain responsibility, you will need to deduct your handling fee, business expenses and some other things, so you also need to give you some information when you surrender the insurance, so when you buy insurance, we must consider whether the insurance is good for us, and whether we can use it.

Finally, if you need to surrender the insurance, you can carry out the relevant surrender on the Internet, if you can not handle it on time on time, there is a procrastination phenomenon, you can also bring your own contract, the policyholder himself brings his ID card to the counter to handle the business, or it is not recommended that you surrender the insurance, after all, the insurance company is for the purpose of profit, and there is more or less trouble when surrendering, and it may even not be possible to surrender the policy in full.