How do I cancel an inactive policy? How to cancel Alipay s policy that is not in effect

Policies that have not yet taken effect are generally canceled directly by ** or by finding the person in charge, and if you do not cancel in time, the policy will take effect.

If you can cancel directly during the cooling-off period, you will have to pay a fee for cancellation after it takes effect.

Policyholders only need to bring their ID card.

For bank cards and insurance policies, you can go to the offline store of the insurance company and go through the surrender procedures. In the case of normal surrender, the amount to be refunded will be refunded within 30 days from the date of receipt of the policyholder's surrender request from the insurance company. If the policy is still in the grace period or reinstatement period, the insurance contract is only suspended, and there is still a chance to remedy, as long as the insurance company explains the situation and applies for reinstatement, but you need to pay the premium and pay a little more interest.

Quiver. If the policy has expired, lapsed permanently, or the policyholder is still unwilling to pay back premiums and interest, regardless of the cash value.

The only thing the policyholder can do is to surrender the policy, and the insurance company will only return the cash value of the policy. The policyholder has not paid the premium in full by the last day of the grace period, which violates the contract and causes the policy to be temporarily invalid. If the policy lapses temporarily, in addition to surrendering the policy, you can apply to the insurance company for reinstatement within two years.

After the reinstatement period, the policy will lapse forever and there is no other way than to surrender the policy.

Hello, dear, the steps to cancel Alipay's policy that has not taken effect are as follows: 1. Open the Alipay software and click Ant Insurance on the home page; 2. After entering Ant Insurance, click on the policy; 3. Next, click on All Policies; 4. Click on the policy you want to cancel, and then click to view details; 5. On the policy details page, click on the auto-renewal service upon expiration and turn it off, so that the policy will not be renewed after expiration, that is, the policy will be cancelled. After the user surrenders the policy, he or she needs to wait for the approval of the insurance company, and the insurance company will transfer the surrender amount to the user's account.

The Alipay policy will take effect the day after purchase. However, for health insurance, such as critical illness insurance, there is generally a waiting period of 30-180 days for insurance, so the date when users can actually get protection is the official effective date after the waiting period. In addition, within 10 days after the effective date of some insurance policies, it is regarded as the hesitation period, and the user surrenders the policy within the hesitation period, and the premium will be refunded, and some products will charge a service fee of less than 10 yuan.

However, during the validity period of the policy, after the cooling-off period, the user can only return the cash value of the policy if the policy is surrendered during the normal payment period. The process of buying insurance claims in Alipay is as follows: 1. After receiving the notice of insurance, the insurer shall immediately send someone to conduct an on-site investigation to understand the loss and the cause, check the insurance policy, and register the case; 2. Review the certificates and materials, the insurer shall review the relevant certificates and materials provided by the policyholder, the insured or the beneficiary to determine whether the insurance contract is valid, whether the insurance period has expired, whether the loss is the insured property, whether the claimant has the right to claim compensation, whether the place where the accident occurred is within the scope of insurance, etc.; 3. Verification of insurance liability, the insurer shall promptly make an assessment of whether it should bear the insurance liability and how much responsibility it should bear after checking the facts and reviewing the various documents, and notify the insured or beneficiary of the verification results; 4. To fulfill the obligation to pay compensation, the insurer shall perform the obligation to compensate or pay the insurance money within 10 days after reaching an agreement with the insured or the beneficiary on the compensation or payment of the insurance amount if it is an insurance liability.

The surrender of a suspended policy can be carried out in accordance with the normal surrender procedure, which can be divided into hesitation period surrender and normal surrender.

First apply to the insurance company for surrender, and learn the materials required for surrender, usually need to prepare the policy, premium payment certificate, ID card, application for termination of insurance contract, etc., and then go through the surrender procedures at the insurance company's service outlets, the insurance company will pay the surrender money into the bank account provided by the policyholder within the agreed time, usually the cash value of the policy can be refunded.

Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off 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.

Surrender beyond the cooling-off period will be regarded 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.

Summary. Hello, how to cancel a policy:1

Contact the insurance company to apply for surrender, for example, you can directly call the insurance company's service** to apply for surrender, and you can also consult what specific materials are required for surrender by the way; 2.Bring the surrender materials to the insurance company to go through the surrender procedures, generally need the insurance policy, premium payment certificate, the policyholder's valid identity document, the application for termination of the insurance contract, etc.; 3.The insurance company's staff will assist in the surrender process, usually to collect the policy and transfer the surrender money into the bank account designated by the policyholder within the agreed time.

Hello, how to cancel a policy:1Contact the insurance company to apply for surrender, for example, you can directly call the insurance company's service** to apply for surrender, and you can also consult what specific materials are required for surrender by the way; 2.

Bring the surrender materials to the insurance company to go through the surrender procedures, generally need the insurance policy, premium payment certificate, the policyholder's valid identity document, the application for termination of the insurance contract, etc.; 3.The insurance company's staff will assist in the surrender process, usually to collect the policy and transfer the surrender money into the bank account designated by the policyholder within the agreed time. Generally speaking, if it is an insurance product that is insured on the policy, then it is usually possible to apply for surrender directly.

If you want to refund the insurance you bought in the insurance company, you can bring the relevant information yourself or entrust the salesman to the insurance company to handle itRefund during the cooling-off period: Usually the insurance product will have a 10 to 15-day hesitation period, as long as the policyholder refunds within this period, the insurance company will refund the premiums paid, up to the cost of deduction, if the refund is made after the cooling-off period, only the cash value will be refunded 2

Refund method: to handle the refund need to provide relevant information documents, usually personal identity certificate, valid insurance contract and the last payment voucher, etc., entrust others to handle the refund should also show the policyholder's power of attorney and the principal's ID card, the policyholder can consult the insurance company and then bring the required documents to handle. 3.

Under what circumstances can the insurance be surrendered in full: **The person has the act of signing on behalf of the person; There is money back or gifts in the sales process; exaggerating product benefits and claims during the sales process; ** People have induced or misled sales, etc.

The ways to terminate an insurance contract are generally divided into two forms: statutory termination and agreement termination. If the conditions for the termination of the contract are directly stipulated by law, the termination shall be deemed to be statutory termination. Article 15 of the Insurance Law provides that, unless otherwise provided in this Law or otherwise agreed in the insurance contract, after the conclusion of the insurance contract, the policyholder may terminate the contract, and the insurer shall not terminate the contract.

If the cancellation of the policy is in the hesitation period can be canceled directly, basically will not lose anything, after the hesitation period of the policy generation and then cancel will lose a part, if you have the ability to pay to maintain the policy, I suggest you still continue to pay, if you have to cancel the first is to pay the bank card does not save money (not enough premium), to the payment period to deduct money can not be deducted will automatically break the insurance, then there will be a overcome manager to call you **, you can say that I have no money to renew the insurance to find a reason. After that, go to your insurer (office) to go through the surrender procedures.

There may be a fee for canceling the policy, and the specific requirements of each insurance company are different, you can ask your insurance company how it stipulates.

It is very troublesome to cancel the policy, once you want to cancel the insurance, the loss to you is very large, and you can only get back 1 3 of the insured amount.

Insurance surrender is generally incompetent, and any insurance is written to try to write a surrender application, ID card, policy and other materials can be surrendered.

There are two types of commercial insurance cancellation policies purchased. The first is the cooling-off period within 10 days from the effective date of the policy, which can be canceled, and only 10 yuan of production cost will be deducted. The second is that the surrender of the policy exceeds the cooling-off period and only returns the cash value of the policy, which is a loss.

Provide a surrender application, ID card and bank card when canceling the policy.

If it is social security, it cannot be canceled unless you die or settle abroad.

If it is a commercial insurance, the policyholder needs to bring his or her ID card, insurance contract, last payment voucher, and bank current account to the counter of the insurance company to go through the procedures.

There are two ways to surrender insurance, one is to surrender during the hesitation period, and the other is to surrender normally, and you need to prepare a surrender application, identity certificate, insurance contract, etc. before surrendering.

If you cancel the policy through the insurance company, the policy will be automatically cancelled if the premium is not paid.

It depends on what kind of insurance you have, if it is social security, you have paid less than 15 years, and you can cancel it at the age of 60.

If you have a business insurance and it is in effect.

It is possible to cancel the application if you apply first.

Cancellation is possible at any time within the fifteen-day cooling-off period with commercial insurance.

After finding the policy, you can ask a professional lawyer to clear the policy and cancel it.

The insurance company simply surrenders the policy and treats it in accordance with the previously signed contract.

You can quit by telling the insurance platform directly.

Just apply and just wait

There are several methods: 1. Do not sign the withdrawal receipt, the policy that does not sign the withdrawal receipt is not effective 2. If you have signed for it, you have a ten-day hesitation period, and there is no charge for surrendering the policy during the hesitation period

After the insurance expires, if the policyholder wants to restore the validity of the policy, he can directly apply to the insurance company for reinstatement. To apply for reinstatement, the policyholder must pay off the previous outstanding premiums and interest, and must also provide evidence of insurability that can satisfy the insurance company. It is important to note that in order to apply for reinstatement, it must be within two years of the temporary lapse of the policy.

If the policy is temporarily invalidated for more than two years, the policy will lapse permanently and the policyholder will no longer be able to apply for reinstatement. However, if the policyholder fails to pay the premium, the policy will become invalid. However, it is not the case that the policy will lapse as soon as the policyholder fails to pay the premium.

Insurance usually provides a grace period of 60 days, and the policy will not lapse if the policyholder fails to pay the premium within this 60-day grace period. However, if the premium is not paid by the last day of the grace period, the policy will be temporarily invalidated. However, if the policyholder does not plan to ask for this insurance again, he can also apply for a surrender directly.

Extended Information] 1. What is the suspension of a policy?

The suspension of the policy is directly and simply explained that the insurance product is in the temporary protection function, that is, the temporary lapse of the protection. This involves the reinstatement period of the policy. Generally, the savings insurance contract has a policy reinstatement period, and the time is agreed to be two years, and if we do not pay within these two years, the policy will automatically become temporarily invalid and no longer enjoy protection, but during this period, if He Yin makes up for the outstanding fees, the policy can be reinstated, so that we can continue to enjoy the protection rights.

If the money has not been paid after two years, the policy will enter a permanent lapse state, become an invalid policy, and cannot be surrendered.

2. How to refund the premium of a suspended policy.

The specific process is the same as the surrender of the normal policy, and there may be no consumers here who ask whether to make up the outstanding premium in order to surrender the policy, and it is not recommended to pay the premium first and then surrender the policy, because the payment fee cannot be refunded in full, which will only increase the loss of our surrender. From the perspective of the surrender process, it is the same as the normal policy surrender, which is nothing more than the following steps: inform the insurance company of the surrender application - the preparation and submission of the surrender information (here the latest payment voucher is necessary to submit, because the surrender amount is different) - the insurance company reviews and confirms the surrender amount - the return of the surrender money.

3. How much is the loss of surrender of the suspended policy.

After understanding how to refund the inactive policy, we will focus on the surrender loss of this type of policy, which is different from the general normal policy, because the time node of surrender is according to the time point of premium payment, that is, according to the latest payment voucher! Therefore, if our inactive policy is surrendered, the loss will be refunded according to the cash value of the year in which the premium is paid, not the cash value of the policy in the year in which we apply for surrender.

The refund amount will be lower.