The Huaxia policy under the nine o clock, the policy is not done, I don t want to buy it, can I get

You can contact the insurance company to apply for surrender, generally during the hesitation period can be surrendered, and during this period there is no loss to surrender, considering that some friends still do not know how to buy the right insurance, here is a guide, don't miss it:Before buying insurance, you must first understand these key knowledge points!

If the subject has considered it clearly, it is recommended to bring all the materials to the surrender process, the materials required for surrender are as follows, and the materials required for different people are also different:

If you surrender the policy after the cooling-off period for some reason, you need to pay attention to the following two aspects:

It is best to choose to surrender the insurance after the waiting period of the new insurance has passed, because the interruption of the coverage caused by the surrender and replacement of the insurance should be avoided as much as possible.

2.Health Status:If you already have certain health problems, it may not be possible to notify you of the health status through the new insurance, and it is not recommended to cancel the policy.

Due to the limited space, if you want to know more about the details, you may wish to take a look at this article:What are the details to pay attention to when surrendering an insurance policy?

Many friends want to buy insurance, but they don't know how to buy it, and if you are afraid of getting into the pit, you can take a look at this article:How to buy insurance? Which insurance product is good to buy? These routines must be avoided

It can be refunded, and the policy has not been made and is fully refundable. Chinese Life Insurance is surrendered within 15 days of insurance, and all are fully refunded.

How do I deduct the policy if it is not done? Even if it is deducted, you can wait for the contract to be surrendered within 10 days.

No matter which insurance company we buy, we must understand the terms and conditions and the division of responsibilities before purchasing. If you want to surrender the policy, you can surrender the policy in full during the cooling-off period, and you can only refund it if you surrender the policy during the policy period. The cash value of the insurance, at this time, the loss is more serious if the policy is surrendered.

OK. Huaxia Insurance currently supports the following two surrender methods.

1) Counter handling - support omni-channel surrender processing.

Security Name: Surrender.

Applicant: Policyholder.

Location: Company counter.

Whether it can be handled on behalf of the policy: Yes, if the policy has been reissued for loss, there is no policy or the policy is surrendered in a different place, it cannot be handled on behalf of the policy.

Required Materials:1Original insurance contract;

2.Application for Preservation of Individual Insurance Contracts - Payment;

3.The original valid identity document of the policyholder;

4.The original bank passbook or bank card of the policyholder ** into the non-original payment account);

5.The agent must fill in the authorization part of the application form for preservation business, and provide the original valid identity document of the trustee.

Note: If you apply for insurance through the link sent by the sales staff to WeChat, and it is still within the cooling-off period, you can surrender the policy through WeChat, please send "WeChat Surrender" to Huaxia Insurance's official WeChat to view the relevant information.

If you are applying through, please call 95300 using Policy Registration to apply for a surrender.

2) Official WeChat handling - support the surrender of some policies during the hesitation period.

Applicant: Policyholder.

Handling location: the official WeChat page bound by the policyholder.

Conditions: Marketing channel policies or long-term insurance policies with multiple online sales channels.

If the product you insured is still within the cooling-off period, please contact the sales staff to ask for the surrender link, and then click "I want to receive payment" - select "Cooling-off period surrender", and then follow the prompts to operate. If you don't see the I want to claim button in the link sent to you, please check whether the policy has been effective, whether you have signed the receipt, whether you have purchased the policy for WeChat, if you are not sure, you can call 95300 to check and confirm for you.

If your policy cooling-off period has ended, please go to the counter to complete the surrender procedure.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello, the surrender process of Huaxia Insurance is as follows: 1. Call Huaxia Life's customer service **95300 to apply for surrender; 2. If the user's surrender application is approved, the user needs to prepare the necessary materials for surrender; 3. The user needs to fill in the application form for termination of the contract, submit the insurance contract and the legal identity certificate of the policyholder, and at the same time, the insurance company will withdraw the policy surrendered by the policyholder, and then the insurance company will refund the amount that needs to be returned as agreed in the insurance contract.

Questions. I bought 488 yuan a month, and I paid almost 5,000 yuan, how much can I get right?

How much to refund. If you have an insurance policy, you can look at the cash value stated on the policy.

Questions. If I stop paying the premium and don't surrender the policy, will it be affected?

If the policy has not paid the premium after the grace period, the policy will be temporarily invalidated, but the insurance company may also use the cash value of the policy to pay the premium, or use the cash savings in the policy account to pay the premium, if the cash value is not enough to pay the premium, the policy will be temporarily suspended, and the policyholder can also apply for reinstatement of the policy within 2 years, if the premium has not been paid after 2 years, the policy has not been surrendered, The policy will be completely invalid. If it is a short-term insurance product, there is no grace period, so if you do not pay the premium, it will become invalid and the policy will be terminated. Questions.

Oh. I haven't been able to pay the premium.

I don't want to hand it in. Then it's better to apply for a surrender.

The normal surrender process is a 10-day (15 days for some banking channels) cooling-off period from the day after the customer receives the policy. The insurance company will refund the premium to the payment account within 10 working days after receiving the surrender application! Surrendering a policy without receiving it complicates the process and is not recommended!

Summary. Hello dear! Now answer for you Can Huaxia Insurance surrender without a policy:

Hello, you can surrender the policy, the electronic policy can be queried, and now the insurance does not need a policy, even if it is lost, it will not affect the surrender. That is to say, any business that currently handles insurance only needs to bring the SFZ and YHK mobile phone numbers of the policyholder or the insured to handle it.

Hello, Huaxia Insurance does not have a policy that can be surrendered?

Hello! Now for you to answer Huaxia Insurance can be surrendered without a policy: Huaiqing Qinqin Hello can be surrendered, the electronic policy can be queried, and now the insurance Zen Ming does not need a policy, even if it is lost, it will not affect the surrender.

That is to say, any business that currently handles insurance only needs to bring the SFZ and YHK mobile phone numbers of the policyholder or the insured to handle it.

Founded in December 2006 with the approval of the China Insurance Regulatory Commission and headquartered in Beijing, Huaxia Life Insurance Co., Ltd. (hereinafter referred to as Huaxia Insurance) is a national, joint-stock life insurance company. The registered capital of the company is 15.3 billion yuan, and in 2018, Huaxia Insurance's total assets suddenly exceeded 500 billion yuan, with a total premium of 230.6 billion yuan, and it was promoted to a super-large insurance company.

The cooling-off period can be refunded in full, and after the cooling-off period, there are very few refunds underwritten. Why do you want to return?

<> can surrender the policy regardless of whether you get the policy or not.

To surrender the policy, you need to bring your ID card to the business department of the insurance company to go through the surrender procedures, or you can call the customer service of the insurance company Liang Li** to apply for surrender to the customer service staff.

The surrender of the policy before it comes down is usually called the "Rubber Withdrawal Bill". To surrender the policy is to go through the cancellation procedures. And because it is a hesitation period at this time, you can basically get back all the premiums if you surrender the policy at this time.

If you surrender the policy after the cooling-off period, you will not be able to get back the premium, and you can only refund the cash value of the policy.

Legal Analysis: The policy can be surrendered.

1.After getting the policy, sign the receipt.

2.There is a 10-day hesitation period on the day of signing the receipt, during which you go to the insurance company to go through the cancellation procedures, bring the contract, bring the original ID card, and the policyholder himself will handle it, if the insured and the policyholder are not the same person, and are over 18 years old, then take the insured to the company together.

3.If you cancel the policy and surrender the policy, the medical examination fee before that is borne by the person, and the general physical examination fee is about 160.

Legal basis: Insurance Law of the People's Republic of China

Article 15 Except as otherwise provided in this Law or otherwise agreed in the insurance contract, after the insurance contract is concluded, the policyholder may terminate the contract, and the insurer shall not terminate the contract.

Article 16 Where the insurer makes inquiries about the subject matter of the insurance or the relevant circumstances of the insured when concluding an insurance contract, the policyholder shall truthfully inform the insurer.

If the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification as provided for in the preceding paragraph, which is sufficient to influence the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the contract.

The right to terminate the contract provided for in the preceding paragraph shall be extinguished if it is not exercised within 30 days from the date on which the insurer becomes aware of the reason for termination. If more than two years have elapsed since the date of the conclusion of the contract, the insurer shall not terminate the contract; In the event of an insured accident, the insurer shall return to travel as soon as possible and bear the responsibility of compensation or payment of insurance money.

If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium.

If the insured fails to perform the obligation of truthful notification due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, but shall refund the insurance premium.

If the insurer is aware of the situation that the policyholder has not truthfully informed at the time of the conclusion of the contract, the insurer shall not terminate the contract; In the event of an insured event, the insurer shall be liable for compensation or payment of insurance money.

An insured accident refers to an accident within the scope of insurance liability as agreed in the insurance contract.

Legal Analysis: The policy is no longer required to be reissued before it can be surrendered. When the policyholder requests to terminate the contract, he or she shall fill in the application form for termination of the contract and submit the insurance contract and the policyholder's legal identity certificate. The contract shall be terminated upon receipt of the application for termination by the insurance company.

Legal basis: Article 563 of the Civil Code of the People's Republic of China The parties may terminate the contract under any of the following circumstances:

1) The purpose of the contract cannot be achieved due to force majeure;

2) Before the expiration of the performance period, one of the parties clearly indicates or shows by its own conduct that it will not perform the main debt;

3) One of the parties delays the performance of the main debt and fails to perform it within a reasonable period of time after being reminded;

4) One of the parties delays the performance of its obligations or commits other breaches of contract, resulting in the inability to achieve the purpose of the contract;

5) Other circumstances provided for by law.

In the case of an indefinite contract with the content of a continuously performed debt, the parties may terminate the contract at any time, provided that they notify the other party before a reasonable period of time.

Surrenderable policy. Cooling-off period surrender: Cooling-off period surrender refers to the surrender of the policy by the policyholder during the hesitation period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

Normal Surrender: Surrender beyond the cooling-off period is considered as normal surrender. Policies that have received insurance benefits are not eligible for surrender.

Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

You have been insured for 8 days, and now it should be in the process of the insurance company's policy preparation, (under normal circumstances, the policy should be delivered to your hands within 10 days after the insurance is purchased, and you will sign for it) You can now notify the salesman who handles the procedures for you or call the customer service of the insurance company ** (955**) to tell the pants to know that it requires surrender, or simply wait for the salesman to return the policy for you. The hesitation period can be surrendered unconditionally, except for the payment of the cost of an empty celery bill (generally 10 yuan) will not suffer other losses. So don't be in a hurry! I hope I can help you, and don't forget to give me a good review, hehe!!