Can I retire after the expiration of the 10 year coverage period of critical illness insurance?

This depends on which company you are selling What products are basically term insurance During the insurance period, there is a claim for the amount of illness insured There is no illness within 10 years, and some companies are to give 1 sum insured plus dividends 2 sum insured 3 premiums paid plus dividends You didn't say which company So give you 3 tips General like Chinese life insurance diseases 11 kinds of Ping An 28 men 30 kinds of women.

Hello, I would like to ask your mother-in-law whether the critical illness insurance bought in **, which company bought it, and whether it was sold at the bank, and the general ten-year critical illness insurance is likely to be sold by the bank. It is consumer-oriented

Summary. Critical illness insurance can still be surrendered after 10 years. Critical illness insurance is refundable.

According to Article 47 of the Insurance Law of the People's Republic of China, if the policyholder terminates the contract, the insurer shall, within 30 days from the date of receipt of the notice of termination, refund the cash value of the insurance policy in accordance with the contract.

Critical illness insurance can still be surrendered after 10 years. Critical illness insurance is refundable. According to Article 47 of the Insurance Law of the People's Republic of China, if the insurer terminates the contract, the insurer shall, within 30 days from the date of receipt of the notice of termination, refund the cash value contained in the insurance policy in accordance with the contract.

When the insurance period is not expired, the expiration period can also be refunded; There is no strict restriction on the surrender of the commercial return policy, and the critical illness insurance has been paid for 10 years, but there is still a period of time before the protection period, the policyholder can apply for the surrender of the policy at any time.

Summary. Hello dear, happy to answer your <>

Critical illness insurance can be surrendered after 10 years, which is the cash value of the policy after the cooling-off period. Different critical illness insurance products, the payment period, premium paid, and surrender time of the same critical illness insurance product are different, resulting in different cash values and different refundable amounts.

Can I still surrender my critical illness insurance after 10 years?

Hello dear, happy to answer your <>

Critical illness insurance can also be refunded after 10 years, which is a cash value of the policy that can be refunded after the cooling-off period. Different critical illness insurance products, the same critical illness insurance product has different payment periods, premiums paid, and surrender times, which will lead to different amounts of cash value and different refundable amounts.

2.To prepare the surrender materials, you need to prepare the valid s copies z, the policy, the premium payment certificate, and the application for termination of the insurance contract, 3Bring the surrender materials to the insurance company to go through the surrender procedures, 4

The surrender money will be credited to the bank account designated by the policyholder within the agreed time.

Summary. It is a pity to pay for ten years of insurance, the surrender of critical illness insurance can be refunded about 50%, and the surrender of annuity insurance can be refunded about 70%.

It is a pity to pay for ten years of insurance, and it is a pity to surrender about 50% of the serious illness insurance, and about 70% of the annuity insurance.

Reason 1If you buy it is paid for ten years and guaranteed for life. Then you don't have to worry about it after ten years, and you will be guaranteed to be old until the end of your life.

In the event of a major illness in the middle of the journey, you will be given a lump sum payment. Reason 2, if you buy is paid for 20 years for life. Only paid for ten years.

If you want to return, you can only return some cash value. Why? It is because the insurance company will ensure that you pay the personal compensation for each year until the end of your life when you pay the sail hall fee in the first year, and if you can only withdraw in the middle, you can only withdraw a little bit of hidden money.

You can take it out, you can surrender it, and you can get the cash value, and the insurance period of this type of insurance is lifelong, which means that this insurance will not expire until the insured dies. The payment period and the insurance period are completely different concepts, how does the surrender process work? First, submit a surrender application to the insurance company, and prepare the insurance contract, ID card, bank card and other materials to submit to the insurance company for review; After the insurance company reviews the information and confirms that it is correct, it will contact the user to go to the insurance company to go through the surrender procedures; After signing the "Application for Termination of Insurance Contract", the user will complete the surrender procedure, and the insurance company will refund the premium to the bank card account designated by the user.

Summary. Hello, I am glad to answer for you, critical illness insurance can still be surrendered after ten years. When the insurance period is not expired, the expiration period can also be refunded; There is no strict restriction on the surrender of commercial insurance policies, and the policyholder can apply for surrender at any time after the critical illness insurance has been paid for 10 years, but there is still a period of time before the coverage period.

Hello, I am glad to answer for you, critical illness insurance can still be refunded after 10 years. When the insurance period is not expired, the expiration period can also be refunded; There is no strict restriction on the surrender of commercial insurance policies, and if the critical illness insurance has been paid for 10 years, but there is still a period of time before the protection period, the policyholder can apply for the surrender of the policy at any time.

According to Article 47 of the Yunchun Insurance Law of the People's Republic of China, if the policyholder terminates the contract, the insurer shall, within 30 days from the date of receipt of the notice of termination, refund the cash value of the insurance policy in accordance with the contract. The surrender process is as follows:1

Apply to the insurance company for a surrender, for example, you can call the insurance company's customer service** to apply for a surrender. 2.To prepare the surrender materials, you need to prepare the policyholder's valid S copy Z copy, policy, premium payment certificate, and application for termination of insurance contract, 3

Bring the surrender materials to the insurance guessing company to go through the surrender procedures, 4The surrender penalty will be credited to the bank account designated by the policyholder within the agreed time.

I pay 2810 a year

How much can be refunded.

Pay the premium for ten years of insurance, critical illness insurance surrender can be refunded about 50%, annuity insurance surrender can be refunded 70% left noisy sedan and right, the product is not the same, there are certain differences between different companies.

Summary. Take the Ping An Guardian 100% (21) insurance product plan as an example, the plan includes the main insurance Ping An Guardian 100% (21) both insurance and the optional supplementary insurance Ping An Additional Guardian 100% (21) early payment critical illness insurance. The main insurance is a comprehensive insurance, if the insured dies, the insurance company will pay the sum insured, and the policy will be terminated; If you do not die, the insurance company will return the premium paid to the policyholder as a lump sum as a survival insurance benefit after the expiration of the insurance period.

Take the Ping An Guardian 100% (21) insurance product plan as an example, the plan includes the main insurance Ping An Guardian 100% (21) both insurance and the optional supplementary insurance Ping An Additional Guardian 100% (21) early payment critical illness insurance. The main insurance is a comprehensive insurance, if the insured dies, the insurance company will pay the sum insured, and the policy will be terminated; If you do not die, the insurance company will return the premium paid to the policyholder as a lump sum as a survival insurance benefit after the expiration of the insurance period.

If the critical illness has been paid for ten years, can the money be returned?

In addition, the coverage of the plan also includes 120 types of critical illness insurance, with a one-time payment of 100% of the sum insured; 10 types of mild diseases, not grouped, 3 times, 30% of the sum insured each time; In the event of total disability, the premium will be paid before the age of 18 and 100% of the sum insured will be paid after the age of 18. However, the disadvantage is also obvious, it does not include moderate illness coverage.

OK. According to the Insurance Law of the People's Republic of China:

Article 54 Before the commencement of the insurance liability, if the policyholder requests to terminate the contract, he shall pay the insurer a handling fee in accordance with the contract, and the insurer shall refund the insurance premium.

If the policyholder requests to terminate the contract after the commencement of the insurance liability, the insurer shall refund the insurance premium collected to the policyholder after deducting the part receivable from the date of commencement of the insurance liability to the date of termination of the contract in accordance with the contract.

Article 55 Where the insured and the insurer agree on the insured value of the insured object and specify it in the contract, when the insured object suffers a loss, the agreed insured value shall be used as the standard for calculating compensation.

If the policyholder and the insurer have not agreed on the value of the insurance subject matter, the actual value of the insured object at the time of the occurrence of the insured event shall be the compensation calculation standard when the loss of the insured object occurs.

The sum insured must not exceed the insured value. If the insured value is exceeded, the excess part shall be invalid, and the insurer shall refund the corresponding insurance premium.

If the insured amount is slightly lower than the insured value, the insurer shall be liable for compensating the insurance money in accordance with the ratio of the insured amount to the insured value, unless otherwise agreed in the contract.

There is no kind of critical illness insurance is paid ten years after the money can be taken out and guaranteed for life, according to the understanding of the general critical illness insurance on the market is protected to 70 to 80 years old, pay for 10 years, there are 20 years, but the money is the last to return, no 10 years of return, if someone says that 10 years of money can be returned to Tong, and there is a lack of rent barriers, it must be a lie. You can choose to buy happiness and health, pay money for 10 years to protect until the age of 80, start on the 29th and end on the 3rd, expand reading: [Insurance] How to buy, which is good, teach you to avoid these drawbacks of insurance"pits"