I bought Xinhua Insurance for my son, and it was less than a year since I paid 2900, and now I don t

Xueba said that insurance only helps families who really want to buy insurance for their children! This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updated

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How to buy insurance for your child

This problem makes countless mothers and fathers who want to buy insurance for their babies daunted, today we will take a good look at what kind of ideas and methods should be followed to buy insurance for children! Follow these three points:

First, children's medical insurance is essential!

After the child is registered, you can go to apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, this is the basic security welfare given by the state, and it must be handled well.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the best expenses, it can also solve many subsequent hidden problems, such as falling behind because of illness, or some irreparable losses in subsequent life, all of which require a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, the insurance amount of 10,000 yuan is only 1,200 yuan per year, which is very cost-effective.

Finally, it is necessary to configure an accident insurance, the child's accident insurance is very cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, which can cover the child's accidental death, disability and medical expenses caused by the accident are all comprehensive, cheap and useful.

Third, what insurance should not be bought for children?

Don't give your child life insurance, and try not to consider critical illness insurance with both liabilities attached. I know the specific reasons in this articleHow do I buy insurance for my child?

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"I bought Xinhua Insurance for my son, and it was less than a year since I paid 2900, and now I don't want to buy it, how much money can I get back"All of them, I hope it helps you! Hope!

It is only possible to refund the "cash value" corresponding to the payment period of the policy, and it is recommended not to surrender the policy, as the surrender is a breach of contract by Party B, and Party B can hardly get back much money. This is not only New China Insurance, but also other insurance companies.

Only the cash value will be refunded, and it is estimated that there is no 10,000.

You will lose money if you surrender the policy at any insurance company. It is impossible to return it all to you, it is in the contract.

I also feel that Xinhua Insurance is unreliable, I regret buying it, and I want to return it, I pay more than 7,000 a year.

All insurance companies surrender the policy after the cooling-off period and only refund the cash price.

How can I buy more insurance and pay less if I want to buy more insurance at the age of 28?

Every one of them comes.

Insurance is covered.

Source insurance policy, you go back and look at your insurance policy, how much cash is in it. But it's not much. Since I have paid for 5 years, I personally think that you should not surrender the policy, because after you surrender, not only will you pay for five years in vain, but if you go to buy insurance from the new and have an effective period, then the insurance will ignore you if anything happens during your period.

Anyway, why do you think Xinhua is unreliable?

It is recommended that you do not surrender the policy, the insurance company is the same, and it is not appropriate to surrender the policy!

What is not buying insurance: reliable: first of all, you must understand why you should buy insurance?

Who to buy it for? How to buy? Well-founded:

What kind of person to buy insurance: Adult. Children are different:

It is also necessary to make reasonable arrangements according to the family income: what is financial management to understand: is it reasonable to unilaterally surrender the insurance after the fact?

Dude, all insurance is like this, there is a cash value in the contract, it's not how much you pay, you can return it when you want to, insurance is not financial management.

I was fooled too. I bought it for Du Kid in 2005, and it was 3300 a year. At that time, the salesman said that it was a savings DAO, and after paying back 10, he could get back the principal and dividends.

If you are willing to continue to protect it, the longer you will pay more dividends, and the higher your profits. It can be used as an education as well as health. In the trust of acquaintances, I didn't look too much at the insurance policy.

It's been 13 years now, and I've changed my address because of a job change, and by the way, I learned about the cash profit, and I realized that it's not the case at all. The cash is only 20,000 yuan, and the right to enjoy is disability or death compensation. It's really a big deal, I don't know how to complain!

Summary. Kiss <>

We'll be happy to answer your questions<>

Xinhua Insurance has already paid 4,000 yuan per year, and I don't want to pay 70% of the principal amount of the refundable premium for eight years. It is calculated according to the cash value of the policy for 7 years, as for how much the actual policy surrender situation: first, the cash value of the surrender, after the hesitation period, in fact, it can also be said that it is a breach of contract, in this case, the applicant will deduct part of the cost according to the contract, and according to the cash value of the insurance product to be refunded, of course, there must still be surrender at this time, but it is just a matter of size.

Clause. Second, you can apply for a full surrender of the policy, and you can only find evidence of misleading sales by the salesman after 7 years, which is also because some insurance salespeople will exaggerate the content when selling products for consumers to improve their sales performance. In this case, as long as you provide relevant evidence, you can apply for a full surrender of the policy.

Xinhua Insurance has already paid 4,000 yuan per year, and I don't want to pay it for eight years, and I want to refund how much money I can refund.

Kiss <>

We'll be happy to answer your questions<>

Xinhua Insurance has already paid 4,000 yuan per year, and I don't want to pay 70% of the principal amount of the premium that can be refunded for eight years. It is calculated according to the cash value of the policy for 7 years, as for how much the actual policy surrender situation is the case: first, the cash value of the surrender, after the hesitation period, in fact, it can also be said that it is a breach of contract, in this case, the applicant will deduct part of the cost according to the contract, and according to the cash value of the insurance product to be refunded, of course, there must still be surrender at this time, but it is a matter of size.

Clause. Second, you can apply for full surrender of the policy, and you can only find the salesman to mislead the sales of the certificate and cheats after 7 years, which is also because some insurance salespeople will exaggerate the content when selling products for consumers to improve their sales performance. In this case, as long as you provide relevant evidence, you can apply for a full surrender of the policy.

Kiss <>

Founded in September 1996, Xinhua Life Insurance Co., Ltd. is one of the state-controlled listed life insurance companies, China Investment Direct Management Enterprises, Fortune and Forbes Fortune Global 500 companies. The company's main shareholders are ** Huijin Investment Co., Ltd., China Baowu Iron and Steel Group **** and so on. In 2011, New China Insurance was listed on the Shanghai ** Stock Exchange and the Hong Kong Stock Exchange.

Is it easy to return. What are the procedures for refunding the insurance?

Kiss <>

1. The policyholder submits the identity certificate and false judgment surrender application to the insurance company, explaining the reason for the difference and the surrender time. 2. After reviewing the surrender application, the insurance company will issue a surrender approval and withdraw the policy at the same time. 3. The policyholder shall receive the refundable insurance premium from the channel designated by the insurance company.

Summary. Hello, dear, how much money can be refunded if Xinhua Insurance does not pay, which is divided into two situations: 1

The cooling-off period (generally a 10-15 days cooling-off period, subject to the contract) is surrendered within the policy, and the premium is refunded in full. During the cooling-off period, the surrender insurance company will refund the full amount paid. For those who have already issued a paper policy, it is necessary to deduct the cost of 10 yuan.

2.Surrender the policy after the cooling-off period and refund the cash value. For surrender after the cooling-off period, the surrender amount is the cash value of the policy at the time of surrender.

For example, surrender on the 10th year is a refund of the cash value table of the policy, the cash value at the end of the 10th policy year).

Hello! Hello, dear, how much money can be refunded if Xinhua Insurance does not pay, divided into two wide circles: 1

The policy is surrendered within the hesitation period (generally 10 to 15 days of hesitation period, subject to the contract), and the premium is refunded in full. During the cooling-off period, the surrender insurance company will refund the full amount paid. For those who have already issued a paper policy, it is necessary to deduct the cost of 10 yuan.

2.After the hesitation period, the policy will be surrendered, and the cash price will be refunded. For surrender after the cooling-off period, the surrender amount is the cash value of the policy at the time of surrender.

For example, surrender on the 10th year is a refund of the cash value table of the policy, the cash value at the end of the 10th policy year).

How much can Xinhua Insurance refund in 10 years?

Cash value for the 10th year.

4200 a year

Inside your insurance contract there is a cash value table that will show the cash value of the policy for each year.

4,200 yuan a year, pay for 10 years, which type of insurance is purchased, dear.

The cash value of different types of insurance is different, and the cash value of critical illness insurance is relatively low, and the cash value of 10 years of payment is about 50% of the spring premium, that is, the surrender can be refunded about 21,000 yuan.

10,000 participating insurance.

If you purchase an incremental whole life insurance and pay for 10 years, the cash value of the 10th year will be the same as the premium, and you can refund about 40,000 yuan when you surrender the policy.

Participating insurance has been paid for 10 years, and the value of cash in the 10th year is higher than that of heavy illness insurance, which is about 60% of the premium, and the amount of retirement insurance is about 25,000 yuan.

This loss is relatively large, and it is generally not recommended to surrender the policy.

If the premium has been paid for 10 years, it is a surrender after 15 days after the cooling-off period. According to the contract, the normal surrender can only refund the part of the cash value of the insurance contract, and there will be a certain loss for the policyholder. The policy can be surrendered in full, and there is a violation of the rules when you need to buy insurance.

For example, if there is a salesman signing on behalf of the salesman or the salesman exaggerating and falsely advertising the protection benefits, not detailing the terms of the policy contract, the customer is not clear about the insurance benefits, the calculation method of the cash value of the policy and the surrender loss, etc., as well as the salesperson giving the customer a rebate and so on, it is a violation of the law.