Can I get a refund for the accident insurance I just bought? Can I get a full refund?

It also needs to be judged according to the type of insuranceLet's say something short-termAccident insuranceEven if you have just purchased it, you cannot surrender it, because this type of insurance is usually very cheap and has a short coverage time. If the long-term accident insurance has just been purchased, it can be surrendered, and the full surrender can be achieved, because the insurance has not exceeded at this timeCooling-off period

1. Short-term accident insurance.

For example, insurance in the form of a travel trip, or an annual card, is considered short-term accident insurance, and many short-term accident insurance cannot be refunded after the purchase is completed, let alone a full refund. Because this type of insurance is usually covered for a short period of time, it is clearly stated in the insurance contract that it is not allowed to be surrendered after purchase. Of course, there are no absolutes, and there are some insurances that can be surrendered, which we need to check according to the insurance contract.

2. Long-term accident insurance.

If you have purchased a long-term accident policy, you can surrender it in full immediately after you have purchased it. Because long-term insurance usually has a hesitation period, the hesitation period is about 10 15 days, during which the insurance company will refund the premium in full without charging any extra fees, and some insurance companies may charge about 10 yuan according to the situation. Once the cooling-off period has passed, the cash value of the policy will only be refunded if the policy is surrendered.

This means that the policyholder needs to lose a premium in vain. Therefore, the policyholder must go through the surrender business in time to avoid losses.

3. Additional Insurance.

There are some accident insurance that can be added to the main insurance as an add-on, in which case, we need to determine whether the policy can be surrendered, or whether the full premium can be refunded after surrender according to the description in the insurance contract. Because this kind of accident insurance as an additional insurance may be a combination of short-term accident insurance and ordinary insurance, it is only a short-term accident insurance on its own. Therefore, when we buy insurance, we must read the content of the insurance contract clearly to avoid unnecessary losses.

The accident insurance you just bought can be refunded, because the accident insurance also has a cooling-off period, as long as you cancel within the cooling-off period, you can get a full refund.

The accident insurance you just bought can be surrendered, and it is generally impossible to surrender the policy in full, if it is not for a long time, you can refund 90 95%.

Yes, you can. Yes, if you want a refund after you have just bought the insurance, there is a good chance that you can get a full refund.

Accident insurance is generally one-year, which means that the insurance company is responsible for reimbursing you for the amount specified in the accident insurance if you have an accident such as a fall, car accident, etc. within one year. If you don't have an accident, then he won't refund your money because it's your premium.

It depends on what kind of insurance you buy, if it's an accident, then there is no other insurance, all of which have cash value or account value.

Don't refund,Just like you buy a lottery ticket,Don't win the lottery do you want the Fucai Center to return the money you bought lottery tickets?

One is to surrender the policy during the cooling-off period, and the other is to surrender the policy after the cooling-off period.

1. Two situations of surrender

1. Surrender during the hesitation period: This is relatively simple, we surrender the policy within the 15-day hesitation period agreed in the contract (subject to the specific contract), and the insurance company will directly refund all the premiums after deducting the cost of production. Surrendering the policy during the cooling-off period has almost no loss, and we have thought about it in time to surrender the policy within this time.

The setting of the hesitation period is to give the policyholder time to consider, and will not be misled by a momentary sale to purchase insurance that is not suitable for him.

2. Surrender beyond the hesitation period: After the hesitation period, if we apply for surrender, how much can be refunded, which is closely related to the type of insurance or the time of insurance. Generally speaking, for consumption, savings, universal insurance, and investment-linked insurance, refundable funds = cash value (the cash value is on the first few pages of the contract, and there will generally be a cash value table, which will clearly indicate the cash value of the insurance contract corresponding to each year).

2. What is the surrender process?

If you are sure to surrender the policy, then the surrender process, including the information that needs to be prepared for the surrender, and when the surrender can reduce the loss, these you need to know: How to surrender the insurance, how much can the surrender be refunded, and how to reduce the surrender loss?

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The policy can only be surrendered in full if the policy is surrendered during the cooling-off period. Generally, the cooling-off period is 10-15 days, after which the policy can only be surrendered according to the cash value of the policy. The cash value can be calculated as follows:

Some friends don't pay attention to buying insurance, and always buy it casually, and finally regret it because they didn't think it through at the beginning, and want to surrender the insurance. Surrender is also something that needs to be seriously considered, if you don't know what knowledge points are in surrender, it is recommended to take a look at this articleHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

There is often a part of the surrender that does not get the money back, except for these two cases:

1.Cooling-off period surrender:The hesitation period is usually about 10-15 days, generally speaking, there will be this time when you buy insurance, and surrendering the policy within this period will generally not cause the loss of premiums;

2.Sales misleading:If the operation of the person is not appropriate when buying the insurance, and the insurance contract is not signed by the person, it is very likely to return the entire insurance amount.

In addition to these circumstances, there will be a certain degree of economic loss, at this time a way to reduce the loss is very important, such as the choice of reduction payment:

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

This will be more cost-effective than direct surrender, but this method is not universal, and whether such a situation can be handled needs to be confirmed with the insurance company.

In addition,These are also key situations for surrender:

2.Health Status:If you are not in good health, you may not be able to pass the underwriting of the new insurance, so it may be difficult to buy other benefits after surrendering the policy, so it is not recommended to return.

3.Payment card balance:If you have a clear idea of surrendering the policy, it is recommended not to save money in the card where the premium is paid, and withdraw the remaining money first, so as not to be automatically deducted if the policy has not been surrendered but the payment period has arrived.

If you go to the insurance company yourself, you can only refund the cash value.

1. If the content of the insurance contract is different from the content of the salesman, there is a big difference, if this situation is encountered, you can apply to the insurance company for full surrender. There are indeed some such situations in life, in order to complete their own sales performance, the salesman exaggerates the role of the product and induces consumers to buy.

2. The insurance company has not made a return visit, and the CBIRC requires the insurance company 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 full surrender.

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

If the above conditions are met, the policy can be surrendered in full.

It is impossible to surrender the policy in full, and even if you go to court to file a lawsuit, you may not be able to surrender the policy in full, and there will definitely be losses. Because the policyholder has at least 10---15 days of hesitation period after getting the insurance contract, this period is to let the policyholder see the content of the contract, if you return during this period, there will be no loss, more than this period of surrender, you can only return the cash value. At present, you can only check the cash value every year, and there must be a maximum point, when you surrender the policy, and the loss will be minimal.

Now there is a way to refund the full amount, mine is to buy a few years and don't want to buy and then find a friend to help refund, so my refund must be able to refund in full, if you want to return, I can introduce it to you.

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

You can refund the full amount, but you need to have evidence to prove that their salesman has violated the operation, and you can chat with me privately about how to operate.

Hero k He's **, everyone's attention.

1. If the content of the insurance contract is different from what the salesman said, the role of the product is exaggerated and consumers are induced to buy.

2. The insurance company did not conduct a return visit, and the CBIRC required the insurance company to conduct a return visit to the customers who purchased the policy.

3. Signed by the salesman if the policy is signed and sealed by the salesman.

In the above cases, the policy can be surrendered in full. You can chat with me privately.

If you feel that you have bought the wrong insurance, it is expensive, you don't want to buy it, and you can get a full refund if you are fooled or deceived. How much to pay and how much to refund, welcome to consult.

To surrender ordinary accident insurance, you need to go to the relevant outlets to surrender the policy, and you need to bring the insurance contract, surrender application, policyholder's ID card, insurance policy and insurance premium invoice and other materials. The insurance company may ask the policyholder to fill in the application for surrender, and the insurance company will issue a surrender approval form after review. Since then, the surrender has been completed.

Some online accident insurance purchases also support **customer service surrender or online surrender after purchase, and you need to contact the insurance company's customer service for processing.

In the case of short-term accident insurance, the premium will not be refunded if the policy is surrendered at the basic rate. If you surrender the policy, you can get the money back, generally in the following cases:

1. Surrender during the hesitation period: usually there is a hesitation period after purchasing insurance, and the surrender of the insurance during the hesitation period can return all the premiums, only deducting about 10 yuan of the cost of production, and generally starting to count the hesitation period after signing the contract receipt, most of which are 10-15 days, and there will be provisions in the contract.

2. Return the cash value: If the hesitation period has been exceeded, then the cash value can only be refunded, and the operating expenses will generally be refunded according to the remaining days of protection.

Test your anti-risk index, experts will interpret it for you for free!

There are several main reasons for wanting to surrender the policy, the policyholder is not satisfied with the payment, either the compensation is too small, or the insurance company refuses to pay; If you are not satisfied with the amount insured, the insurance product purchased a few years ago has an insurance amount of 120,000 yuan, and the insured amount is completely insufficient after the accident, and the policyholder wants to surrender the insurance and choose again; I am not satisfied with the premium, the premium seriously exceeds my budget, the economic conditions are good when I buy the insurance, and then I can't pay the premium when I have problems at work; Another is dissatisfaction with the guarantee. Most people will choose to surrender the policy if they have the above problems, so can they surrender the policy in full?

Regardless of the above reasons, it is definitely not cost-effective to surrender the policy in the middle of the policy, and you will lose a large part of the premium. However, if the following four conditions are met, the insurance company will surrender the policy in full.

The first type of surrender during the hesitation period can be fully refunded, when we sign the contract on the day of the calculation of ten to fifteen days belongs to the hesitation period, during this period of surrender, it can be fully refunded, this period is the insurance company to give the policyholder a cool head time, if this period of time, sorry, want to surrender the policy can not be fully refunded.

It should be noted that there are some accident insurances that will take effect after signing the contract, so if you want to surrender the policy, you will have to deduct the number of days that have been covered and deduct a small amount of additional insurance costs.

Second, the name on the insurance policy is not the signature of the policyholder, and the Insurance Law clearly stipulates that if the insurance contract is signed by the policyholder without his signature and seal, and other people or business personnel sign it on behalf of him, the contract will be regarded as an invalid contract. Don't be happy too early, the insurance law also stipulates that the policyholder has already paid the premium, which means that the premium will not be refunded in full if the signature is recognized.

Therefore, when the signature on the policy is not signed by yourself, it is necessary to point it out as soon as possible, and wait until the premium is paid to indicate that the contract is still valid.

Third, the salesman misleads the policyholder, for example, if the policyholder is healthy and sick but the salesman prevents the health notification, as long as the policyholder has evidence, he can complain and refund the full amount. Another is that the policyholder has multiple policies in his name, and if one of them fails, the insurance company may refund or accommodate the policy.

Many insurance plans nowadays offer a full surrender of the policy.

The first is that it is within the cooling-off period of the contract, which is usually 7 to 10 days, during which a full refund is possible.

In this case, if the insurance period is relatively short, or if you can prepare sufficient procedures, you can 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.