Under what circumstances can I get a full refund?

Second, if you have clear and effective evidence to prove that you have been induced or deceived during the insurance process, that is, if you can prove that the insurance company is at fault, you may also be able to surrender the policy in full.

Generally speaking, if the policy is surrendered after the cooling-off period, only the cash value of the policy will be refunded, and the policyholder will bear a certain loss. All in all, insurance also needs to be cautious, choosing the right product for yourself is the most important thing, and don't completely listen to other people's words, you need to have your own judgment.

Precautions for Insurance Purchases:Pay attention to the content of the guarantee.

Insurance is mainly divided into critical illness insurance, medical insurance, accident insurance, life insurance, etc., when purchasing, you should pay attention to the content of protection, and buy what insurance you need. In addition, when purchasing critical illness insurance, it is necessary to see whether the coverage covers all common high-incidence diseases, whether it exempts moderate and mild diseases, etc.; Medical insurance depends on whether there is a deductible, whether it reimburses self-paid drugs, whether it provides medical advance payment and direct payment services, etc.

Be honest with us.

When purchasing insurance, it is necessary to inform the insurer truthfully, and the policyholder shall inform the insurer of important matters related to insurance when applying for insurance, and shall not conceal or deliberately not, nor shall it fabricate false information to deceive the insurer. For example, if you apply for health insurance, you should take the initiative to provide medical records and examination reports related to health information and inquiries. Failure to truthfully inform the possibility of termination of the insurance contract, and the insurance money will not be paid in the event of an insured accident.

Pay attention to the insurance notice.

The insurance notice will list the insurance age, waiting period, insurance period, payment period, effective date, insurance requirements, hesitation period, insurance rules, occupational category requirements, etc., check the insurance notice to further understand the relevant information of the insurance, which focuses on whether you meet the insurance requirements, if you do not meet the insurance requirements, even if you have insurance, you can not get a claim.

The following situations can be fully refunded

1.Surrender during the cooling-off period

The hesitation period is a regret period set by the insurance company for the policyholder, as long as the policy is surrendered during the hesitation period, then the insurance company must refund all the premiums to the consumer unconditionally without reason, of course, dozens of material costs may be deducted.

2.The salesman has misled the sales

This is more common, because the insurance market is very large now, and the practitioners in the entire industry are mixed, and some salespeople will deliberately exaggerate the insurance content for the sake of sales to guide consumers to buy. If the content of the insurance contract is different from what the salesman said, there is a big difference. Then the consumer can apply to the insurance company for a full surrender according to the principle of good faith.

3.The insurance company did not conduct a ** return visit

The China Banking and Insurance Regulatory Commission requires insurance companies to conduct a return visit to the customer who has purchased the policy, and if the customer does not receive such a return, he can also apply for a full surrender (provided that the policyholder does not take the initiative to change the number).

4.Signed by the salesman

If the policy is signed or stamped by the salesman, the policyholder can also apply for a full refund.

However, if the policyholder knows that the contract is signed by someone else and pays the insurance premium, then it will be deemed that he has recognized the act of signing or sealing on behalf of him, and the policy cannot be surrendered in this case.

Generally, insurance companies will not give consumers a full surrender, but in the following three cases, you can get a full surrender from the insurance company.

1.Surrender during the hesitation period, within a certain number of days after the insurance company signs the insurance contract, it is necessary to check the terms of the contract, and surrender the policy within this period, even if a lot of premiums have been paid, or it is a more nonsensical reason for surrender, as long as the application is made, the insurance company will surrender the policy in full.

2.If when signing the insurance contract, the first person of the insurance company gives gifts or stuffs red envelopes to the policyholder, or signs on behalf of the policyholder, and exaggerates the claims or benefits of the insurance to the policyholder, in this case, you must leave evidence, and you can ask the insurance company to surrender the insurance in full according to these evidences when you want to surrender the insurance policy in the future.

3.The policy value of some insurance products will appreciate, so when the policy value is relatively high, after deducting the handling fee and ** fee obtained by the insurance company, it will be higher than the premium paid, and the money obtained by surrendering the policy at this time will be equal to or higher than the premium, which is equivalent to full surrender.

We can know that the money obtained by the full surrender of the insurance is all the premiums that have been paid, so to a certain extent, it seems that it is not a loss, but in fact it is still a loss, not only has the impact of inflation, the value of the money actually received has been reduced, and if it is surrendered, there is no protection for itself, after an accident, you can only bear the loss, and the insurance company has no responsibility for claims, and the high compensation that could have been obtained is gone, which is the most loss.

If you can surrender the policy in full, then it is the most beneficial for the consumer, and it will definitely be unfavorable for the insurance company, so the insurance company definitely does not want to do this, but in the restrictions in the terms of the contract, the insurance company has to do this, as long as the consumer has demand, so you don't have to worry about the full surrender of the insurance company will not return, if it does not return, we can also protect our own rights and interests through the law, so the most loss is the insurance company, There will be a certain loss of reputation and actual benefits.

The information generally required for surrender of the policy is:: Application for cancellation of the contract, original insurance contract, identification of the insured, receipt or invoice of the insurance premium, information of the insured's bank account.

Under normal circumstances, we have to first hit ** or go to the insurance company to apply for surrender, and then submit the relevant materials.

Then the insurance company will conduct a review of the materials we submit, and then determine whether the insurance can give us a refund.

So after the insurance company accepts one of our applications, he will enter an audit, and now the audit is how much money should be refunded to us, and after the accounting is clear, he will submit a refund application to the bank, so that after the bank receives the application, it will make a payment to us.

1. The hesitation period of insurance.

This is to inform the policyholder when the contract is signed, which is also for the consideration of the policyholder, even if the contract is signed, as long as the policyholder does not want to take out insurance during this period, the contract will be unconditionally terminated.

Of course, some people will ask if this time is long, it will generally look like 15 days;

Therefore, there is enough time for everyone to consider whether the situation is reversed after signing the contract, so the setting of the hesitation period can also give everyone time to fully understand the insurance product and give consumers the greatest protection.

2. It is not signed by the person.

The application reminder and insurance policy must be signed by the policyholder himself/herself.

What is the situation, that is, even if you have the consent of the policyholder, the insurance agent still cannot sign on behalf of the policyholder;

If this type occurs, it does not meet the premise of the person's signature, and in this case, the surrender application can be refunded in full.

3. The salesman has obvious sales misleading behavior.

In order to complete the sales task, many salesmen often have misleading orders;

For example, if there is an exaggeration of product benefits, exaggeration of protection, knowing that you are sick to apply for insurance, etc., and not telling the truth, in this case, the policyholder also needs to repay the full amount of the policy.

4. There are multiple policies under the same person's name, and there is a problem with any of the policies.

It is also common for a person to buy insurance for others, after all, the policyholder and the insured can be different. It is not necessary to buy it yourself, so that you can not only enjoy the insurance rights and interests for yourself, but also buy it for your family members and help them enjoy the insurance rights and interests.

However, it should be noted that if there is a problem with one of the policies in the purchase of multiple policies, causing the company to be unable to check, the surrender of the policy can be reversed in full.

5. Do not meet the insurance conditions.

After the policyholder applies for critical illness insurance, does not meet the conditions and does not get a claim, and the policyholder suffers from a critical illness, considering the cost, in this case, the purchased insurance product can be fully refunded when the policyholder needs to surrender the policy.

6. I didn't hear a return visit.

Generally, after signing the contract, within seven days, there will be a return visit, if the policyholder does not hear this kind of **, in the subsequent surrender, it can also be used as evidence of full surrender.

1. Surrender the policy during the hesitation period.

Generally, insurance products have a 15-day hesitation period, and the hesitation period itself can be said to be set for "surrender". It's like when we buy something for 7 days and have no reason to return it. The surrender of the policy during the hesitation period can basically achieve "0" loss, that is, the full surrender of the policy.

At most, it is a cost of 10 yuan. So, if you still have doubts about the product you buy, then you must grasp the 15-day hesitation period.

2. Surrender the policy after the cooling-off period.

If the cooling-off period has passed, can I still surrender the policy in full?

The answer is: there is only one possibility! That is when the cash value of the policy exceeds the premium paid.

After the cooling-off period, the surrender of the policy will only be refunded to the cash value. Long-term life insurance has a cash value, and after you buy insurance, you will get a corresponding cash value table. You can compare to see how much money you can return.

In general, the longer you hold the policy, the higher the cash value and the more money you can get back. Usually in the first few years, very little money can be returned (but in other words, there is also very little money to be handed in). Some "sure to lose money" insurance, such as "investment" insurance, whole life critical illness insurance with death liability, return insurance, etc., the cash value of the policy can exceed the premium paid, so that the policy can be surrendered in full!

If you want to surrender the insurance in full, you need to apply to the insurance company within 10 days after signing the insurance contract. Of course, if the insurance is handled through the bank channel, the time limit can be extended to 15 days to apply for surrender. As long as you apply to the insurance company, you can surrender the policy in full.

Because there is a cooling-off period for insurance, it is possible to surrender the policy during the cooling-off period. However, if you surrender the policy during the cooling-off period, you must pay attention to the following points:

The first point is that when the insurance company mails the leaflet, if there is no way to receive the insurance policy in time, then it is necessary to explain the reason and the time of acceptance of the insurance policy to the insurance company in advance.

Second, after receiving the insurance policy, you need to fill in the receipt of the insurance policy in time, and write a clear and specific date. Because if the policy is to be surrendered during this period, the insurance company's determination of the cooling-off period is calculated according to the date of the receipt form.

Third, after getting the insurance policy and receipt form, the policyholder needs to carefully look at the specific insurance terms, especially for the content that the policyholder does not understand or is not clear, must understand clearly, so as not to cause unnecessary losses or misunderstandings to individuals when surrendering or encountering problems.

What should I do if I buy the wrong insurance and want to surrender it in full?

The policy can only be surrendered in full if the policy is surrendered during the cooling-off period. After the cooling-off period, the policy can only be surrendered based on the cash value of the policy.

If you surrender the policy during the cooling-off period, you must pay attention to the following points:

1. If you cannot receive the policy in time due to special circumstances, it is best to notify the insurance company in advance. Secondly, after receiving the insurance policy, be sure to fill out the policy receipt in person and indicate the date. Because the insurance company's determination of the cooling-off period is calculated based on the date of receipt;

2. If the last day of the hesitation period is during the holiday, most companies can postpone the acceptance to the first working day after the holiday;

3. The policyholder must carefully read the terms of the insurance, and if he does not know enough about himself, or has a deviation in his understanding, he should ask the first person in time to avoid misinsuring;

4. The China Insurance Regulatory Commission requires all insurance companies to conduct 100% return visits to customers who purchase investment-linked insurance and participating insurance, and make ** recordings. The policyholder and the insured should seize this opportunity to verify the rights and interests they have learned from the **person and the return visitor, so as to ensure that the contract can meet the needs and provide a proper and thoughtful protection for themselves and their families;

5. Finally, in case of surrender, the policyholder does not need any reason, but must apply to the insurance company in writing, and the oral request is invalid.

Surrender your policy in full? Be cautious and think again!

No, the insurance that has not expired will not give the full surrender, and there are surrenders around me, and they will not be able to get the full amount when they are insured, so you should be cautious when buying insurance.

I was fooled into buying peace by a friend. More than 8,000 a year. The sum insured is only 250,000. I have already found a surrender team and refunded the full amount.

There was no full amount, paid for three years, 6,900 per year, and refunded 20,000, that fraction said what kind of consumer insurance, so I couldn't refund the full amount!