Taikang Life Insurance Universal Insurance Surrender?

In person at the New Life Plaza:

2. The original valid identity certificate of the policyholder.

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

4. Original insurance policy (except for electronic policy).

Entrust the policy service staff to go to the New Life Plaza to handle:

2. The original valid identity certificate of the policyholder.

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

4. Power of attorney signed by the policyholder.

5. The original valid identity certificate of the agent.

6. Original insurance policy (except for electronic policy).

There will be a loss when you surrender the policy, and you can borrow 80% of the money if you need it urgently. Go to Taikang Life Insurance Company with the insurance contract, ID card and bank card.

If it's 40,000 yuan, you should be able to get about 33,000 yuan. For details, please consult Taikang's customer service**95522

Universal insurance can be used to withdraw money, no need for any loan, you can go and get a part of it, first check how much cash value is available in your account, take out part of it, you can use it, but don't take it all out, there is a minimum limit, so that the policy is still valid

It is recommended that you do not refund all of them, you can apply for a policy loan, and now you can only get back a third of it.

Surrender is mainly divided into two situations: surrender during the cooling-off period and normal surrender, as follows:

1. Surrender during the hesitation period, which refers to the time given by the insurance company to the policyholder for hesitation, which is generally about 10 to 15 days after receiving the policy. Under normal circumstances, the premium can be refunded in full if the policy is surrendered during the cooling-off period.

2. Normal surrender, normal surrender requires the policyholder to submit an application for termination to the insurance company, and the insurance company will refund the cash value of the policy within 30 days after receiving the application. The insurance company will refund the actual cost based on the cash value of the policy, which will be less than the premium paid, and the longer it is delayed, the greater the loss. If you want to surrender the policy after applying for the policy, you must do it as soon as possible.

The calculation method of surrender is as follows: 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 plus the interest accrued on the remaining premium that the insurance company has assumed the insurance liability of the policy.

Introduction: As people's awareness of risk prevention becomes stronger and stronger, many people will buy an insurance for themselves, and Taikang, as a large insurance company, his insurance is also welcomed by many people, but netizens want to surrender the insurance after buying Taikang life insurance, so can they surrender the insurance at any time? In fact, it is conceivable that insurance is not a refund, but a refund.

1. It is difficult to return the insurance purchased. In fact, most of the cases of buying insurance are impossible to refund, and even if you want to return it, then it is really a loss, and some of them can't even get the insurance money back, and those who can spread to the outside world that their insurance is redeemable, most of them are advertisements, so don't believe it. The form of insurance determines that the insurance is difficult to return, but there will be an insurance cooling-off period within a week after the purchase of insurance, during which it is possible to surrender the policy, but after this period, it is very difficult to surrender the policy.

2. How to choose a good insurance? Insurance as a means of risk avoidance for most people is indeed a need for a choice, but at this time how to buy a good insurance is the first problem, in fact, there are many ways to buy insurance, first of all, you must choose insurance according to your own situation, and secondly, it is calculated according to the exchange amount of insurance and the relevant exchange rate. Therefore, you must choose a good insurance, so that you can lay a solid foundation for your future and not fall into a miserable situation.

3. Carefully understand the terms of insurance. The most important thing when signing insurance is the insurance treaty, which is very important as a means of protecting rights in the future, or a means of related litigation, so at this time, you must not be too impulsive to sign the contract, and slowly look at the relevant content of your contract, so that you can make your contract protection insured, and if necessary, it is also possible to consult a lawyer.

It is possible to surrender the policy, but if you want to surrender the policy, it is best to return within 7 days, if it exceeds 7 days, a part of the money will be deducted.

Of course. If you want to surrender the policy, you can get a full refund if you surrender the policy during the cooling-off period, but you will not be able to get a full refund after the cooling-off period.

No, it is necessary to understand the specific purchase of insurance, and to understand the surrender situation according to the choice of insurance product.

Summary. Taikang Life Insurance Surrender Method: Offline Surrender:

Users can go directly to the counter of Taikang Insurance Company's business outlets to go through the surrender procedures, and the user needs to prepare the insurance policy, the original ID card of the policyholder, and the bank card, and then go to the insurance company's counter to apply for surrender. The staff of Taikang Life Insurance Company will verify the user's surrender policy and calculate the surrender amount. After the user confirms that the surrender amount is correct, the insurance company will refund the premium to the user's bank card account within the specified time. **Surrender: Call Taikang Life's official customer service**, prepare the relevant information according to the information provided by the customer service, and then go to the insurance company to go through the surrender procedures.

Can Taikang Life Insurance be surrendered?

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Hello<> Taikang Life Insurance is refundable, that's for sure. The amount surrendered depends on whether you are within or outside the cooling-off period.

I've been handing it over for five or six years.

Surrender during the cooling-off period is a full surrender, otherwise the policy can only be surrendered according to the cash value. Generally, there are no small losses.

It can be refunded, but there will be a loss of premium. The exact amount can be found in the cash value table in your contract.

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Taikang Life Insurance Surrender Method: Offline Surrender: Users can go directly to the counter of Taikang Insurance Company's business outlets to go through the surrender procedures, and the user needs to prepare the insurance policy, the original ID card of the policyholder, and the bank card, and then go to the insurance company's counter to apply for surrender; The staff of Taikang Life Insurance Company will verify the user's surrender policy and calculate the surrender amount. After the user confirms that the surrender amount is correct, the insurance company will refund the premium to the user's bank card account within the specified time.

Hello dear, this can be returned. Taikang medical insurance generally has a hesitation period of about 15 days, if the policyholder does not exceed 15 days after signing the contract, you can rest assured that the policy can be surrendered unconditionally. At this time, there is basically no economic loss, and the cost of the top fool is about 20 yuan.

When the insurance has been insured for a period of time, it is not a hesitation period, and the economic loss of surrendering the policy is large, so you need to consider it before making a decision. Because at this time, the policy only has a cash value left, and in general, it is necessary to refer to the cash value table of the insurance company. The amount of loss should be reduced from the premiums paid by the policyholder minus the cost of the company's management fees and commissions consumed, as well as the premiums and interest required by the policyholder to bear the responsibility for the loss of life.

The loss caused by surrender is inevitable, but if you buy the wrong one, it is better to stop the loss in time. Hope it helps!!