My insurance has been paid for more than 10 years, and I have a critical illness and it has been rei

Hello, there is a page in the contract that is the cash value, and it is written how much the amount can be refunded in the corresponding year.

Because you have now passed the cooling-off period, there will be a greater loss in surrendering the policy (the "cooling-off period" is usually 15 days after the policyholder pays the insurance premium, if he does not agree with the content of the insurance contract, he can return the contract to the insurer and apply for cancellation. During this period, the insurer agrees to the policyholder's application, rescinds the contract and refunds the entire premium received. ）

I don't know what kind of insurance you are buying, if you buy medical insurance or accident insurance, this kind of insurance is generally bought for one year, if you don't want to be insured, you can not continue to pay in the next year. Both types of insurance play an important role in protecting the safety of our lives and property, and it is worth purchasing according to your needs.

If you are buying critical illness insurance or life insurance, first of all, surrender will cause you financial losses, I hope you should think carefully and rationally before surrendering, because you have now passed the hesitation period of insurance, and surrender will definitely bring you certain financial losses. In addition, if you want to repurchase critical illness insurance or life insurance after surrendering the policy, you may increase the premium for re-insurance due to your age, and in severe cases, you may even refuse your insurance due to changes in your physical condition or exceeding the required age, thus losing your coverage. Secondly, if you surrendered your policy to purchase critical illness insurance from their insurance company, there is no need for it.

Because at present, as far as critical illness insurance is concerned, the scope of critical illness is roughly the same, so no matter which insurance company, there will not be a problem of which one has a loose claim and which one has a strict claim, because their claim standard is uniformly stipulated by the state, and their reference standard is not formulated by the insurance company, and generally refers to the definition of the Medical Doctor Association, so there is no need to worry about the problem of loose and strict claims. In the long run, if there is a plan that is more suitable for you and the benefits outweigh the disadvantages, then you can surrender the policy.

Insurance configuration is a dynamic process, there is no good or bad insurance, only the most suitable insurance products for themselves, we can only choose a suitable insurance according to their own needs, buy insurance needs to be cautious, surrender is even more cautious, to consider their physical condition before making a decision, do not blindly buy and surrender.

Hello, if you suffer from a critical illness after the critical illness insurance is reinstated, the insurance company should make a claim in accordance with the contract, if it is after the insurance is out of policy and before the reinstatement, the insurance company will not make a claim. Therefore, this kind of protection critical illness insurance must be paid on time, and no one knows that a critical illness will occur on that day.

First of all, it depends on which one comes first, relapse or diagnosis, and if it is more than 90 days and then diagnosed with a critical illness, then it can generally be paid, if it is diagnosed first and then reinstated, the insurance company will not pay, and the insurance will be refunded at most. Different insurance companies have different times.

Let's see if the observation period has passed after reversion.

The re-entry observation period was restarted.

This depends on the nature of the insurance you purchase, and if it is a critical illness insurance, it is divided into fixed-term or life-long insurance.

If it is a fixed-term type, then there is no guarantee for the follow-up of the contract after expiration. If it is a lifetime type, it can be guaranteed for life, that is, you can continue to enjoy protection with the premium paid in the subsequent process.

Life insurance only covers death or total disability, so it is necessary to see whether the critical illness meets the conditions for total disability, and if so, it can be claimed.

Let's briefly talk about the difference between term critical illness insurance and lifetime critical illness insurance.

1. Fixed-term critical illness insurance.

Regular means that there is a specified period of coverage, and you are covered for critical illnesses for a specified period of time. Term critical illness insurance is generally divided into 1 year, 5 years, 10 years, 20 years, 30 years, or up to the age of 70 or 80. However, the one-year period has to be re-insured every year, which is too cumbersome, and the premium will increase with age.

Critical illness insurance has strict health requirements, especially when you are over 50 years old, it is more difficult to buy critical illness insurance.

Generally, you will choose to apply for a longer insurance period, and if you have a limited budget, you can choose term critical illness insurance.

2. Whole life critical illness insurance.

Whole life critical illness insurance can provide two forms of coverage, but only two to one

The first is to provide critical illness coverage until the death of the insured. The second is to provide death benefits, which provide protection for the insured to survive to the limit age agreed in the contract (such as 100 years old). The insurer will return the insurance money equal to the amount of critical illness insurance.

However, in terms of cost, whole life critical illness insurance is more expensive than term critical illness insurance, and you can choose to protect it for life if you have enough budget. Compared with term critical illness insurance, whole life critical illness insurance still has certain advantages.

1) Long guarantee period.

Compared with term critical illness insurance, the term of protection for whole life critical illness insurance is lifelong, which means that no matter when the insured person is sick, as long as the contract requirements are met, the insurance benefit can be obtained.

If you bought lifelong critical illness insurance when you were young, and when you are older, your physical fitness has declined, and you need critical illness protection, you don't need to worry about not being able to buy protection, or the premium is inverted.

2) There is a liability for death.

Generally, a lifelong critical illness insurance will be accompanied by a death benefit, which means that there is no payment for critical illness and a lump sum benefit can be received in death. However, in general, additional death will increase the premium and increase the financial burden.

Contact your insurance person, if you change or can't be contacted, it also depends on the contract insurance liability, if it is a fixed-term type, it is possible to terminate when it expires. Of course, if it is for life, then it can still be claimed the same.

See if you have critical illness insurance? In addition, the payment period is 20 years, is the coverage lifelong or fixed? And what is the insurance liability?

All of the above require guidance to answer you clearly. Judging from your statement, there is a high probability that you will still enjoy protection after the end of the critical illness insurance payment period.

Critical illness insurance, paid for 20 years, is the payment period, not the insurance period.

After paying for 20 years, you don't need to pay it in the future, but generally speaking, critical illness insurance is lifelong, that is, the insurance period is lifelong, and the policy is valid for life.

Regardless of whether you are in the premium payment period or not, after the observation period, if the insurance meets the conditions for claims, you will be claimed, and there is no problem with that.

If the payment period is the same as the coverage period, no claim will be made.

If the payment period has expired, and the insurance period is greater than the payment period or lifetime protection, you can apply for a claim.

I bought it in 2001 and paid 710 yuan a year, is it Corning for life? If Corning is a lifelong patient, the diagnosed critical illness meets the conditions agreed in the insurance contract, 200% of the insured amount will be paid, and 100% of the insured amount will be paid again after death, and the insurance contract will be terminated. If the diagnosed critical illness is not within the scope of the insurance contract, 300% of the insured amount will be paid after death, and the insurance contract will be terminated.

If you want to know more about insurance, you can also send me a private message.

This depends on whether there is a second payment under the critical illness insurance regulations of the insurance, if there is, the insurance company may still pay, if not, it will not be able to continue to pay。Critical illness insurance is regarded by many people as basic insurance, because with the development of society, more and more people are diagnosed with critical illnesses, and purchasing a critical illness insurance can increase protection and pass on the risk when accidents come. There are many types of critical illness insurance, and many people do not read the regulations clearly when they buy them, and they are not sure how to do it once they encounter problems.

Some critical illness insurance plans can make a second or third payment, and if this is the case, the insurance company can pay it again after one payment**, and you can also make a second payment. Some insurance plans also have a time limit for the interval between second payouts, for example, two or three years. If the insurance stipulates that it is not covered for three years**, then even if you purchase this type of critical illness insurance, you will not be able to pay it

Because many critical illnesses are not available for two or three years, it means that the likelihood of follow-up is getting lower and lower, and insurance companies do this to reduce the loss ratio. This type of insurance is usually more expensive.

Some critical illness insurance only has a one-time payment, when the insured is diagnosed with the disease, it is found that the company will review the insured's situation, and then pay the compensation, and the contract will end after the payment is completed, and the insurance company will not be related to the situation in the future. The advantage of this type of insurance is that the premium is relatively cheap, and the disadvantage is that it only pays the insured in a lump sum, and it is usually very difficult to buy other insurance in the future, and generally no insurance company is willing to underwrite it.

Therefore, the protection and the premium are usually proportional, whether the insurance company will continue to pay after two years, this has to be decided according to the insurance purchased by the insured, and these are usually written in the insurance contract. If you are unsure, you can directly consult the staff of the nearby business hall or call customer service**.

If you have always purchased insurance, then you will still be reimbursed again. If the process of purchasing insurance is interrupted, then these reimbursements will not be possible.

Do you tell us the truth before you apply for insurance? Questions. Buckle.

Didn't know you were sick before you took out the insurance.

If the critical illness before the insurance is purchased, will the insurance company pay for it after two years?

Here's a description of your problem.

That's why I asked you.

Questions. That's right, two years ago, I bought critical illness insurance for a six-year-old child, but I didn't pay it because I didn't have money in the past two years, and now the child has a brain tumor, I want to consult whether the insurance company will be responsible for it.

Can you tell me the result?

Interest on your policy.

There is no automatic pad delivery.

Questions. Because there is no money on the card, it is not paid.

Because this one of yours is definitely critical illness insurance, which has a cash value.

It is the benefit of the policy, the agreement in the contract.

Questions. Yes, if there is money on the card number, it will be deducted.

Let me tell you this, this is a critical illness insurance policy, and you have paid for two years, and it has a cash value, that is, when you stopped paying two years ago, your policy has a corresponding cash value.

If there is such an agreement in your policy contract, that is, when you do not pay the premium, the policy has the function of automatic footing, that is, the account corresponding to your policy and a cash value are used to deduct your insurance premium.

Hello, is there anything else I can do to help you? If you are satisfied with the answer service, please use your rich little hands to help light up the five little stars after the consultation, can you evaluate it? Thank you and have a great day!

The insurance company will definitely pay for it, mainly because after two years, the insurance company will definitely bear this compensation, because he has not been cured at one time.

If your insurance contract has expired for two years, you have told the insurance company about this situation before taking out the insurance, and according to the content of the contract, you can pay for it.

If the insured person has purchased critical illness insurance, he is not sure whether he can return the principal after 20 years. It depends on what type of critical illness insurance the insured person has purchased. If the customer buys consumer critical illness insurance, it means that the insurance will only protect the health of the insured, and the premium is paid voluntarily and the principal will not be repaid even if it is paid for 20 years.

If the customer purchases return critical illness insurance, as long as the policyholder pays the premium for a longer period of time, after 20 years of payment, as long as the contract is met, the principal can be returned. The above is the relevant content of whether the critical illness insurance can be returned after 20 years.

Introduction to Critical Illness Insurance.

If a user chooses to purchase critical illness insurance, they must insure themselves or other family members. The core of critical illness insurance is to ensure the health of the insured. If the insured unfortunately suffers from a major illness, the insurance company shall compensate the insured for the hospitalization expenses of the insured according to a certain proportion as long as it is within the scope specified in the insurance contract.

If it is a long-term critical illness insurance, if it is interrupted, then it will enter a grace period of 60 days, and the protection is still valid during the grace period, if the policyholder has not paid the premium after the grace period, then the protection will be temporarily invalidated, and the policy will be reinstated for two years. Hope mine can help you, thanks.

If the insurance company has been informed before the insurance is insured or the insurance contract has been completed for two years, the insurance company shall compensate in accordance with the insurance contract.

In accordance with Article 16 of the Insurance Law of the People's Republic of China, if an insurance contract is concluded and the insurer makes inquiries about the subject matter of the insurance or the insured's existence and prudence, the policyholder shall truthfully inform the policyholder. 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 event, the insurer shall be liable for 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 to inform the insured 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 failure of the policyholder to truthfully inform the insurer at the time of 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.