Can I cancel the student child insurance purchased in Chinese Life just two hours after paying the f

Xueba talks about insurance, focusing on insurance evaluation! Don't be sloppy when buying critical illness insurance, choose carefully, and try to avoid economic losses caused by surrenderTop 10 [Not Worth Buying] Critical Illness Insurance Points!

The student children's insurance purchased in Chinese Life can be surrendered just two hours after paying the fee, and it is still in the hesitation period, and it can be surrendered in full.

Some people are not serious about buying insurance, and they are not satisfied with the insurance they bought later, so they want to surrender the insurance. Therefore, the surrender of the policy is very sloppy, the key knowledge points of the surrender are not to know when the surrender of the policy, see this article for detailsHow 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, the premium cannot be fully refunded if the policy is surrendered. A portion of the loss is made, with the exception of the following two cases:

1.Cooling-off period surrender:After we buy the insurance, the 10-15 days from the signing of the contract is usually the hesitation period, and the surrender of the policy within this time period can get the full premium back;

2.Sales misleading:If the relevant salesperson misleads when buying the insurance, it is very likely that the insurance contract will be returned if it is not signed by the person.

In addition to these unexpected circumstances, the loss is certain, and we should choose ways to reduce economic losses at this time, such as choosing to reduce the amount to pay 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 a more cost-effective method than surrendering, but this method is not common to all insurances, and whether such a situation can be handled needs to be confirmed with the insurance company.

In addition,You also have to pay attention to these situations when surrendering the policy:

It is best to choose to cancel the insurance after the waiting period of the new insurance has passed, so that the protection will not be interrupted.

2.Health Status:If your physical condition is not as good as before, it is possible that you cannot be informed of this situation through the health of the new insurance, and in this case, it may be difficult to buy other benefits after surrendering the policy, so it is not recommended to refund.

3.Payment card balance:After confirming that you want to surrender the policy, it is recommended to take out all the money in the bank card that paid the premium, so that you can avoid being deducted after surrendering the policy, and save the time of negotiating with the insurance company.

Regarding the surrender, there are still a lot of details that need to be paid attention to, I will not list them one by one here, if you need it, you can take a look at this article, the relevant points are sorted out".What are the details to pay attention to when surrendering an insurance policy? Hope!

Do you want to learn about insurance? You can call 95519 to find out, and the customer service will tell you that there is a loss in surrendering, and then explain to you what this insurance does, you just need to firmly tell the customer service that you want to surrender the policy. Then if you buy online, let him tell you the process of surrendering the insurance online, and if you buy offline, let him tell you the nearest outlet, and bring your ID card to the counter to handle it.

The policy can be surrendered within the cooling-off period.

Once the insurance is surrendered, the insurance company will no longer be liable for any insurance. If the policy is surrendered during the hesitation period, a small amount of the cost of production will be deducted or no deduction will be directly deducted, which shall be subject to the actual regulations of the insurance company; After the cooling-off period, the unexpired net premium or cash value of the policy will generally be refunded, and the specific proportion will be determined on a case-by-case basis. At the end of the insurance contract, there is usually a cash value table corresponding to the end of each policy year, which you can take a look at.

Take Taikang Insurance as an example:

When it is necessary to terminate the insurance coverage, you can apply for termination of the contract after the cooling-off period, and you will suffer certain economic losses if you terminate the contract after the cooling-off period.

2. Applicant: the policyholder;

3. Effective date of change: effective immediately;

5. Documents to be prepared:

1. Application for Modification of Insurance Contract (Non-simplified Version);

2. The original valid identity certificate of the policyholder;

3. A copy of the bank card or passbook of the bank personal settlement account opened in the name of the policyholder;

4. Original insurance policy (except electronic policy).

Arnold answers: Hello!

Under normal circumstances, surrender can be divided into normal surrender and cooling-off period surrender. Based on your description, you are in the cooling-off period. First of all, the cooling-off period, also known as the "cooling-off period", is a "regret period" set by insurance companies to prevent customers from buying insurance on impulse.

In principle, if you surrender the policy during the cooling-off period, you can get a refund of all the premiums except for the production cost. As for the surrender process, there are generally the following procedures:

1. Collect and truthfully fill in the surrender application form and submit the surrender application;

2. Bring your ID card, insurance policy and payment receipt to the insurance company's counter to surrender the policy;

3. Fill in the relevant information according to the prompts of the staff to complete the processing. It should be noted that if it is an insurance, you must call 95362 to apply for surrender first. In addition, some insurance companies will deduct expenses such as medical examination fees in addition to the cost of production.

To surrender the policy, simply follow the requirements.

The surrender amount has a certain relationship with the time of insurance, relatively speaking, the surrender loss in the first year is large, and it should be calculated according to the agreement of the insurance contract, as well as the premium.

Regardless of the insurance company, the policyholder can apply for a surrender at any time, but it is recommended to consider carefully before surrendering, as there is sometimes a loss in surrendering.

As for how to minimize losses, please see this article:How to surrender insurance, how much can be refunded, and how to reduce surrender losses?

Here it is divided into two situations, one is to surrender the policy during the hesitation period, and the other is to surrender the policy after the hesitation period.

1. Surrender during the hesitation period

If the policyholder surrenders the policy within the cooling-off period, the operation is relatively simple, and there is no cash loss when the policy is surrendered. During the cooling-off period, if the policyholder believes that the insurance contract does not match the needs of himself and his family, he or she can terminate the insurance contract, fill in the application form for cancellation of the contract, provide the insurance contract and valid identity documents, and the customer service center will refund all the insurance premiums paid without interest after receiving the application.

2. Surrender the policy after the cooling-off period

If the policyholder surrenders the policy after the cooling-off period, the operation is relatively simple, but the surrender will suffer a certain loss, and CPIC will refund the cash value to the policyholder within 30 days from the date of receipt of the application for termination of the contract. At the same time, the benefits enjoyed by both the insured and the insured will be terminated at the same time upon receipt of the application.

Because surrendering the policy after the cooling-off period will suffer a certain loss, if you want to surrender the policy, it is recommended to choose to surrender the policy during the cooling-off period as much as possible, so that there is basically no loss and the premium will be returned quickly. If you find that you have a misunderstanding of the contract in the process of purchasing insurance while surrendering the policy after the hesitation period, you can call the special line for consultation first, or you can go to the local counter and the company's personnel to feedback the problem and negotiate it.

Xueba says that insurance only recommends insurance that is really useful for children! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, now for free, click to claim now.

What insurance is good for childrenFirst, children's medical insurance is essential!

After the child has a household registration, he can go to apply for neonatal medical insurance (medical insurance for urban and rural residents), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving priority to critical illness insurance + medical insurance + accident insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, in addition to solving the problem of medical expenses, it can also solve a lot of additional expenses caused by illness, such as falling behind because of illness, or some irreparable losses in subsequent life, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance policy can be used to solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, it is necessary to have an accident insurance, the child's accident insurance is very cheap, and the insurance amount of 20w only needs sixty or seventy yuan per year, which can protect the child's disability, death and medical liability caused by accidents, which is very practical.

Third, don't buy both types of insurance for your child!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the above insurance ideas, if you configure regular protection for your child, you can get it for about 1,000 yuan per year, and if you buy lifelong protection, it will only be two or three thousand per year, which is very cost-effective.

That's all for me"Chinese Life Insurance, for the child insurance, paid for two years, can refund a few percent"

After paying for two years, the loss of surrender is relatively large, and it is good to be able to return about forty or fifty percent.

You have a contract when you apply for insurance, and the contract records how much you can refund if you surrender the insurance, I think 20% of the insurance can be refunded.

Hello, there are many kinds of insurance, if it is safety insurance, it cannot be refunded, so whether it can be refunded depends on the type of insurance purchased.

You can't get a few dollars back, and the surrender is a few percent of the cash value, which is pitiful.

Life insurance can lend a loan with a very low interest rate, that is, it is better to lend your own money to yourself than to refund it.

The cash value is written in the policy or ask the customer service directly, and generally speaking, the refund is very small, about 30%.

There are not many refunds, and it is recommended to continue to execute the contract, which is needed to protect the child.

Pitifully few. Anyway, if you withdraw the loss, you will continue to pay or lose.

Don't be fooled, the current insurance is all a lie!

Very little, maybe only 10 to 20 percent back.

Insurance overdue, severe, expired Life participating insurance is fully surrendered! Look at my avatar.

Look at the contract, the terms of the contract say.

Summary. It is very cost-effective to surrender the policy.

It is very cost-effective to surrender the policy.

Because it has been paid for four years, there is a conversion of cash value.

The specific conversion should be on the insurance policy.

How much can I get back? There is also whether the insurance is true or false, and whether the baby can get money with interest when the baby is 20 years old.

Then I want to surrender the policy now, how can I minimize the loss?

There is definitely no fake insurance, only whether it is suitable or not.

If you are surrendering the policy, the loss is fixed.

It is impossible to reduce losses.

Then when the baby is 20 years old, he will definitely be able to get the money, and many people say that they can't even get the capital. 80,000 has been paid.

Yes, insurance is protected by law, and the only risk is that the agreement you sign may be misleading by the salesperson.

Misleading your understanding of the product.

It is advisable to check the agreement carefully, as insurance is generally more complicated.

At that time, I also bought it from an acquaintance, and when I said it, it was very good, so I bought filial piety. But what is uncertain now is whether the money can be returned with interest. A lot of them even lost their capital.

The content of the contract is too complicated to be understood.

Indeed, the current insurance is like this, by changing the language to confuse and mislead consumers, according to what you said, this insurance should not be principal-protected.

It's definitely described in the agreement.

They must be telling the truth by now.

I would recommend surrendering the policy.

If you are learning about this insurance, you can search for the name of the insurance.