Can I get a refund after 1 year of buying Pacific Health Insurance?

You can get it back, but there will be a loss The money you get in the end is the cash value of the insurance company after deducting the cost, and you have only paid it for a year, which must be very little, and it may not even be enough for half of the health insurance Everyone wants to have it, why should you refund it.

Founded in 1991, CPIC is the big brother of the insurance industry and has been selected as one of the world's top 500 companies for eight consecutive years with its strong strength. Regarding the evaluation of Pacific Insurance Company, there are three main questions:

1.Compared with other insurance companies, is it worth starting with Pacific Insurance's products?

Pacific Insurance's best-selling products include Jinfu Life, Jinyou Life, Jinnuo Life, Children's Super Treasure Fuyou Ankang, etc., and the detailed interpretation of the above products is compiled in this article:"Seven products worth buying in Pacific Insurance in 2020".

After reading it, you will know which product is good.

2.How does CPIC perform in terms of service levels?

In order to provide consumers with a standard, the China Banking and Insurance Regulatory Commission (CBIRC) has rated the services of insurance companies according to indicators such as complaint rate, claims service, and business handling efficiency, with AAA rating being the highest and D rating being the lowest.

Let's see how many levels Pacific Life can rate:

Pacific Life has a rating of AA and is still some way from being the best. However, this level is not too good.

3.Is Pacific Insurance reliable?

Friends who are worried about the unreliability of the insurance company are still concerned about the claims after buying the insurance. This is simple, and the higher the ranking company in the same industry, the more reliable it must be. I stayed up late analyzing various companies and put together a following:

What are the top 10 insurance companies.

As you can see, Pacific Insurance is number one.

That's all for me"Can I get a refund after 1 year of buying Pacific Health Insurance?"All, look!

You can return it no matter how long it has been bought, but it is recommended that you do not return it!

There should be a cash value chart on your policy, and the number of copies you bought multiplied by that amount is the amount of money you would have received for surrendering the policy in that year.

Just like everyone else, why don't you pay him back? Now it's not safe to eat, it's not safe to use, it's not safe to take a high-speed rail, and you want to feel at ease when you buy insurance, and it's not worth it if you spend so much effort worrying about it

I really don't know why you want to return it, is this money very big, and will it affect your next living expenses. It is recommended not to return. Because I believe that you have also measured it before you buy it.

Hello! Since you have bought it, you will insist on saving the insurance all the time, and you will lose a lot if you surrender the insurance halfway.

It is better not to return, there is a loss in surrender.

The one-year policy is non-refundable at the end of the year. Long-term insurance with cash value can be refunded, but try not to refund, not only is there no guarantee for the refund, but the cash value is low and the loss is large.

Hello, it has been a year over the hesitation period, surrender only the cash value of the policy, there will be a loss, it is recommended not to return. Find your ** person to get to know each other well.

There is a loss in surrender, and the cash value can only be returned, which is not cost-effective! If you don't have a financial reason, it's best not to return!

The policy can be surrendered, but only the cash value of the contract can be refunded.

Insurance is protection, better than nothing, try not to return if you buy it, because the loss is yourself, unless you have to do so. The most important thing is to find out if it is suitable for you and whether it is what you need before buying.

Hello, if you surrender the policy early, there will be a loss, it is not recommended to surrender the policy, thank you, I wish you peace and health.

Hello, you can surrender the policy, but there will be losses. If you buy a one-year accident insurance policy, which is consumption-based, there is no cash value after one year, and it is non-refundable.

There will be a loss when you surrender the policy, so try not to surrender the policy.

Insurance is voluntarily bought and sold, with the right to buy and the freedom to surrender.

Hello, look at what type of insurance you are.

What type of insurance, long-term insurance or one-year insurance?

Summary. Hello, the policy can be surrendered.

Hello, the policy can be surrendered.

Pacific Insurance has paid three years of surrender, which belongs to the surrender after the cooling-off period, and the surrender benefit that can be refunded is:

1.If it is a long-term insurance product, the policy will be surrendered after three years, and the cash value of the policy will be refunded; 2.If it is a one-year insurance product, if you do not pay it after three years and choose to surrender the policy, then the insurance company will not refund any fees.

However, if the policy is surrendered in the middle of the one-year benefit period, the remaining fee will be refunded after deducting the premium and handling fee corresponding to the number of days insured. 3.If it is a participating insurance product, the policy will be surrendered after three years, and the cash value of the policy can be refunded + the unclaimed dividends; 4.If it is a universal insurance product, the policy will be surrendered after three years, and the cash value of the policy can be refunded + the value of the universal account.

Different insurance products, even the same insurance product, the payment period, payment amount and other relevant factors are different, which will lead to different surrender benefits, so the specific amount of refund should be based on the cash value table of the policy and the calculation of the insurance company.

Pacific Insurance paid for a year last year, can I surrender the policy if I don't want to pay it?

OK. There are losses and risks in retreating, so consider it carefully. First of all, surrender is not a full surrender, you get the cash value.

The cash value can be understood as an account that the insurance company gives you to open, and the longer it is paid, the more valuable the account will be. Secondly, there is a risk of surrender, once the policy is surrendered, the risk will occur again, and the insurance company will not be able to compensate for it. Finally, if you want to buy insurance in the future after you surrender the policy, the premium will increase as you get older.

At the same time, if you are in a health situation, you may be subject to an increase in insurance premiums or exclusion or even denial of insurance by the insurance company. If you have purchased health medical insurance, if you have paid for one year, you have passed the serious illness observation period for 180 days, and it is currently in the protection period, so it is not recommended to surrender the policy. Any insurance has its function and significance, critical illness insurance in order to resist the risk of critical illness, accident insurance in order to resist the risk of accidents, annuity insurance in order to resist inflation and forced savings, the risk is unpredictable, do not affect their own planning because of the behavior of other years, insurance is also a very important part of asset allocation, is a personal protection firewall.

Summary. Dear, yes.

Pacific Insurance paid for a year last year, can I surrender the policy if I don't want to pay it?

Dear, yes.

Pro, Pacific Insurance paid for a year last year, do not want to pay is can be surrendered, this belongs to the midway surrender, halfway to return the insurance can only return the cash value of the policy, the cash value of the policy is generally 20% of the total premium, for example, you paid 1000 yuan, then the surrender can only be refunded and 200 yuan.

How many percent can I get back?

Dear, the cash value of different insurance plans is different, you can check the cash value corresponding to one year in your insurance contract.

Dear, the cash value of the insurance for just one year is relatively low.

Mine is almost time to pay my premiums.

Dear, it has nothing to do with this, it's not by time.

Oh. For example, if you pay for a year, that is the cash value of one year.

Can I surrender the policy whenever I have time?

Dear, yes. Dear, try to apply for surrender before the payment is broken.

Dear, if you want to surrender the policy in full, you can only do it if you have violated the rules when you buy the insurance. The salesman signed on behalf of the clerk, did not explain the insurance terms in detail, and gave kickbacks to customers and other behaviors that belonged to the bureau and violated the rules.

Can't I get a refund after the deadline?

Dear, yes. Dear, different insurance requirements are different, and some insurance companies will deduct the cash value of your policy as an insurance premium if the payment is broken.

Can I only do this at the counter?

Dear, yes. Dear, you need to bring your ID card and your insurance policy to the counter in person.

Summary. The cash value of the policy is a cash value table on the paper policy. The cash value refers to the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract.

Generally speaking, it can be simplified as follows: cash value of the policy = premiums paid management expenses apportioned amount salesman commission net premiums required by the insurance company to bear the insurance liability of the policy interest accrued on the remaining premiums. The insurance company will give a clear cash value statement for the year.

Dear, hello, if you surrender the policy, you can refund the premium, 30% -60% because the surrender can only refund the value of the insurance is now trembling, how much can be refunded? You can open the cash value table of the policy to see what the corresponding cash value is for the corresponding year.

The cash value of the policy is a cash value table on the paper policy. The collapse of the cash value refers to the part of the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract. In general, it can be simplified as:

Cash value of the policy = premiums paid Management expenses apportioned amount Salesman's commission Net premiums required for the insurance company to bear the insurance liability of the policy Interest accrued on the remaining premiums. The specific figure will be given by the die slag insurance company for the year with a clear cash value table.