How to surrender insurance with good medical insurance, how to surrender with good medical insurance

No matter how good a product is, it is difficult to avoid surrender, especially a product like a good medical insurance, which can be purchased in Alipay, which is very convenient, which will also lead to blind purchase or impulsive purchase, etc., only to find that it is not suitable for surrender after purchase. How to surrender the policy is cost-effective can be seen here: "How to surrender the most cost-effective insurance if you buy the wrong insurance?"

If you want to surrender the medical insurance in full, you first need to apply within 15 days of the hesitation period, and then call 95188 customer service** to ask for the materials required for surrender, generally including the insurance contract termination application, insurance contract voucher, insurance premium delivery certificate, policyholder ID card, etc., the specific customer service requirements shall prevail, and you can wait until the premium is returned after submitting the surrender materials as required.

But dad has always not recommended casual surrender, surrender will more or less have a little loss, but no matter the situation, the loss is different.

The series of medical insurance products cover different aspects of protection to meet the different needs of consumers.

But don't feel unreliable just because it is sold on Alipay, what we need to pay attention to when buying insurance products is the underwriting company behind it and the protection content of the product.

You can't blindly follow the trend to buy, there are a lot of things you need to know about insurance products, and some professional terms are difficult to understand, otherwise you will feel that it is not suitable to surrender the policy after purchase, and it is inevitable that there will be a little loss.

Internet insurance has sprung up in recent years, and many of our commonly used apps have started to sell insurance, such as Alipay, JD Finance, and WeChat. Good medical insurance is an insurance product sold on Alipay.

Regarding the process of surrendering medical insurance, Dad wrote a special article, click here to see it. "Good Medical Insurance Surrender Process! This way the surrender loss is minimized! 》

1. Claim reporting.

At the first time of the occurrence of an insurance accident, we must report the case to PICC Health, the underwriting company of the good medical insurance.

We can report the case on Alipay: open Alipay, click [My] - [Ant Insurance] - [My] - [All Policies], and apply for a claim on the policy details page.

2. Submission of materials.

1) The materials required for long-term medical insurance claims are as follows:

2) Claim application.

3) The original invoice (if the invoice is to be reimbursed by a third party and the original is collected, a copy of the invoice stamped with the official seal of the other party and the original reimbursement statement of the reimbursement division form, a detailed list of expenses and a social security settlement list need to be provided).

4) Relevant case data and outpatient information.

5) Surgical records and related medical records.

6) Accident certificate.

7) A copy of the front and back of the ID card of the insured or beneficiary.

8) A copy of the insured's bank card.

After the above materials are prepared, we can hand them over to the relevant departments of the insurance company for review.

3. The claim is completed.

After the materials are submitted, the insurance company will review the relevant materials and complete the review within 72 hours at the earliest, and the insurance company will generally pay the insurance money within 3 working days and 30 days for complex cases.

Daddy summary: In general, buying insurance online is not only convenient for insurance, but also for surrendering.

Surrender process: If you want to surrender the medical insurance in full, you first need to apply within 15 days of the hesitation period, and then call customer service ** to ask about the materials required for surrender, generally including the application for cancellation of the insurance contract, the insurance contract voucher, the insurance premium delivery certificate, the policyholder's ID card, etc., the specific customer service requirements shall prevail, and you can wait until the premium is returned after submitting the surrender materials as required.

1. First of all, click on the My Customer Service option on the Alipay homepage.

2. After that, select the dialog box below My Customer Service.

3. After that, enter the medical insurance surrender in the dialog box.

4. After that, you will be asked to select the reason for surrender, and you can choose at will.

5. Then click the Click Here Unsubscribe button below.

6. After that, enter the payment password of the payment luck.

7. Then click the Confirm Surrender button below.

8. In this way, the good medical insurance will be successfully surrendered.

The Insurance Law stipulates that an insurance contract is formed when the policyholder makes an insurance claim, and the insurance company agrees to underwrite and reaches an agreement on the terms of the contract. After the policyholder pays the insurance premium, the insurance contract takes effect. The insurance company shall start to bear the insurance liability according to the time agreed in the contract.

Insurance liability remains in place until the contract is terminated. After the policyholder pays the premium, the insurance liability begins.

The termination of the contract does not extinguish the insurance liability that has already begun, and the insurance contract continues to be in force until the contract is terminated, and the insurance liability still exists. The insurer continues to be liable for the insured event before the termination of the contract.

Good medical insurance can be surrendered, the hesitation period of good medical insurance is 15 days, if there is a need to surrender, you can surrender within these 15 days, generally you can refund the premium paid in full, but the cost may be deducted. If you surrender the policy after the cooling-off period, you will only be refunded the cash value of the policy. If you need to surrender your medical insurance, you can apply for surrender directly on the insurance platform, or you can call customer service ** to apply for surrender.

Good medical insurance can be refunded, and the general surrender process is as follows:

Operating environment: mobile phone: iphone12

System: Software: Alipay.

1. Open Alipay and click on the lower right corner on the Alipay homepage"Mine"and find it"Ant Protection"Click to enter;

2. Click on the home page in turn"Mine"-"All policies", find the policy of good medical insurance, click to enter the details page;

4. Find"Go to Surrender", click to select the policy you want to surrender, and complete the surrender operation.

Good medical insurance is divided into a variety of types, such as good medical insurance long-term medical care, as well as good medical insurance hospitalization medical treatment, etc., the scope of coverage, the amount insured, the premium, etc. are different, it is recommended that the policyholder should carefully read the terms of the contract before applying for insurance, and choose the right product for insurance, otherwise the later surrender may cause certain losses!

Legal basisArticle 23 of the Social Insurance Law of the People's Republic of China Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State. Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Legal basis: Social Insurance Law of the People's Republic of China Article 2 The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

1. **Surrender: Call the corresponding insurance company (such as PICC Health'95518'and complete the surrender application according to the voice prompts.

1. How to surrender the medical insurance for employees.

If you want to cancel the employee medical insurance, you must already be in the state of resignation, and the individual cannot apply for the cancellation of the employee medical insurance during the employment period. After resignation, the employee can submit an application to the local social security department to terminate the medical insurance. After submitting my ID card, medical insurance-related materials such as medical insurance card, and payment status, the social security department will surrender the insurance for the employee after receiving the materials.

After the employee gets the medical insurance refund notice, go to the settlement window to handle the refund. In addition, if the employee resigns, the employer will stop paying social insurance, and the employee can keep the previous payment period without going to the social security bureau to surrender the insurance.

2. How to surrender the Monkey King National Medical Insurance Medical Insurance Health Version.

1.To apply for surrender in Wukong Bao's ***, you can find "My Policy" in the menu bar "My Services" to apply for surrender, and there will be Wukong Insurance staff to contact the policyholder to assist in retirement, you can pay attention to the official **;

2.Wukong Bao is not an insurance company, it can only be said to be a platform for selling insurance products, so you can apply for a surrender by contacting the underwriting insurance company of Wukong Bao National Health Insurance Insurance.

3. Can medical insurance be surrendered?

Surrenderable policy. Acceptance conditions for withdrawal from medical insurance:

1.After going through the procedures for insurance payment, if the insured person requests to withdraw from the resident medical insurance due to the cancellation of household registration, transfer out, student cancellation, participation in other social insurance, etc., and has not yet enjoyed the current year's resident medical insurance benefits, he or she shall go through the surrender and refund procedures before the treatment period or within the first month of the treatment period, and will not be processed after the deadline. Insured students who are conscripted into the military in the middle of the year, and whose medical expenses have not yet been paid by the resident medical insurance co-ordination**, can go through the procedures for surrender and refund;

2.If all kinds of re-insured persons request to withdraw from participating in the resident medical insurance due to household registration cancellation, transfer out, participation in other social insurance, etc., before the waiting period for benefits, they shall go through the procedures for surrender and refund before the period for enjoying the resident medical insurance benefits in the current year, and will not be processed after the deadline.

Article 2 of the Social Insurance Law of the People's Republic of China The State shall establish a social insurance system of basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

The specific process of surrender may vary depending on the insurance company and the insurance product, and the following are the general steps for surrender under normal circumstances:

1.Review the certificate wording: Read carefully the terms and conditions of the insurance contract you have purchased regarding the surrender of the policy. These terms will detail the terms, periods, procedures and possible refund amounts of the surrender.

2.Contact the insurance company: Contact the insurance company where you purchased the insurance to inquire about the specific surrender process and the required documents or**.

3.Prepare the necessary documents: According to the requirements of the insurance company, prepare the necessary documents and **. This usually includes filling out a surrender application form, providing identification documents, a copy of the policy, etc.

4.Submit a surrender application: Submit the completed surrender application form and relevant documents to the insurance company. Applications can be submitted by mail, fax, email, or in person at the insurance company's office.

5.Pending processing: Once you have submitted your surrender request, the insurance company will conduct a review and review. The processing time may take some time, so please be patient.

6.Confirm the refund amount: Once the surrender request is approved, the insurance company will confirm the refund amount. The refund amount may be affected by factors such as the surrender period, premium payment, and surrender fee.

The specific surrender process and requirements may vary depending on the insurer and insurance product. It is recommended that you contact the insurance company where you purchased the insurance directly to consult their surrender policy and specific steps, and follow their requirements.

[Legal Analysis].Legal basisArticle 2 of the Social Insurance Law of the People's Republic of China The State shall establish a social insurance system of basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

The above is only made by the current information combined with my understanding of the law, please refer to it carefully!

If you still have questions about this issue, it is recommended that you organize the relevant information and communicate with a professional in detail.