If I get seriously ill less than a month after buying insurance, can I get a refund if I ignore the

This depends on the insurance you have bought, and you need to look at the regulations of the insurance for you in detail.

First, take a look at the cooling-off period, if it is still in the cooling-off period, you can directly surrender the policy. Theoretically, the cooling-off period for insurance ranges from seven days to 15 days. Please refer to the policy wording for details.

Second, it is friendly consultation. You need to prove that you did not have the disease before you bought the insurance, although it was during the cooling-off period or the time when the insurance was not covered, but you did not deliberately do anything. If that's the case, the insurance company should give you some of the insurance money.

Third, look at the effective date of the insurance, some of the effective date of the insurance is very short, just a day or two or even the same day. I want to take a look at the insurance conditions and don't be fooled. Because once you surrender the policy, you can't theoretically be reinsured.

Fourth, if you can't judge the above things, it's best to show your insurance regulations to the employees of the third-party insurance company, because they know more about the rules and regulations of insurance. Remember, remember, you can't show this insurance employee, he won't help you.

In this case, you can get a refund because the insurance has a waiting period, but due to the insurance company's regulations, a part of your insurance cost should be deducted.

We have a hesitation period when we buy insurance, because different insurance companies have different hesitation periods. Your insurance has not yet been officially activated, and you have not truthfully informed yourself about your physical condition before purchasing the insurance. If this happens, you will have the option to surrender the policy.

Why not? Is it not covered by the provisions of the serious illness? It's still a limited date, it's best to look at the insurance terms in detail, or consult the staff of the insurance company to figure it out before deciding!

Vehicles surrendered must meet the following criteria:

1. The insurance policy of the vehicle must be within the validity period;

2. During the validity period of the insurance policy, the vehicle can be surrendered if it has not been reported to the insurance company or made a claim, and the vehicle that has received compensation from the insurance company cannot be surrendered; Vehicles that have only been reported to the insurance company and have not been compensated cannot be surrendered.

When surrendering the policy, you should submit a surrender application to the insurance company, explain the reason for the surrender and when the surrender began, sign it or affix the official seal, and hand it over to the business management department of the insurance company. After reviewing the surrender application, the business management department of the insurance company will issue a surrender approval form, which indicates the surrender time and the amount of refundable premium, and at the same time withdraw the car insurance policy. Then the surrenderer takes the surrender approval form and ID card to the financial department of the insurance company to collect the insurance premium that should be refunded.

The insurance company calculates the refundable premium by subtracting the premium payable by the insurance company during the effective period of the insurance, and the remaining balance is the insurance premium that should be refunded to you. The calculation formula is as follows: refundable premium = paid premium - insurance premium charged.

The key to surrendering the lease is the calculation of the insurance premium that should be charged. Generally, it is calculated on a monthly basis, and 10% of the premium will be charged for each month in which the insurance is effective, and if it is less than one month, it will be calculated as one month.

Documents required for surrender:

1. Application for surrender: specify the reason and time of surrender, the insured needs to be stamped if it is a unit, and it needs to be signed if it is an individual.

2. Insurance policy: the original is required. If the insurance policy is lost, it will need to be reissued in advance.

3. Insurance premium invoice: the original is generally required, and sometimes a copy is also acceptable.

4. Proof of identity of the insured: the insured is a unit and needs the business license of the unit; It is an individual who needs an ID card.

5. Documents proving the reason for surrender:

1) If the vehicle is surrendered due to scrapping, the scrapping certificate must be provided;

2) If the insurance is surrendered due to the resale of the vehicle, the transfer certificate must be provided;

3) If the policy is surrendered due to duplicate insurance, two duplicate insurance policies must be provided. Vehicle Surrender Steps:

2. The business department of the insurance company will issue a surrender endorsement according to the surrender claim, which indicates the surrender time and the amount of the premium to be refunded, and at the same time withdraw your car insurance policy.

The insurance company calculates the refundable premium by using the amount of insurance premium actually paid at the time of insurance application, minus the premium payable by the insurance company during the time when the insurance has been effective, and the remaining balance is simply the insurance premium that should be refunded to you.

The calculation formula is as follows: refundable insurance premium = actual insurance premium - insurance premium payable is generally calculated on a monthly basis, 10% of the insurance premium is charged for each month in effect, and less than one month is calculated as one month.

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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. The cash value can be calculated as follows:

Some people always sign a contract with a wave of their hand when they buy insurance, and finally regret wanting to surrender the policy. Surrender is also a big deal, it can't be casual anymore, there is a lot of surrender knowledge in this article, you can take a look at it if you don't understandHow 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.

Generally speaking, there will be a loss due to the surrender of the policy, unless it is in both cases:

1.Cooling-off period surrender:After we buy the insurance, the 10-15 days from the signing of the contract is usually the hesitation period, and if we surrender the policy within this time, we will generally not lose the premium;

2.Sales misleading:If the insurance contract is signed under the misleading of the salesman, it is very likely that the insurance contract will be refunded in full if the insurance contract is not signed by the person.

Outside of these two cases, losses are unavoidable, and it is important to reduce the amount of money that can be lost, such as the option to reduce the amount of money

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 you need to confirm with the insurance company whether the contract has this function.

In addition,There are also these points that you have to pay attention to when surrendering the policy

2.Health Status:If there are already some physical problems, it is not impossible to be informed by the new insurance about the health of the new insurance, and in this case, it is not wise to choose to surrender the policy.

3.Payment card balance:If you are ready to surrender the policy, it is best not to put money in the bank card where you pay the insurance premium, so as to avoid being deducted another amount of money when the payment period is reached.

Requirements and procedures for handling surrender of insurance:

The applicant is eligible to apply for surrender. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder must clearly indicate who will receive the surrender money;

If the policyholder applies for surrender, the contract has been in force for two years and the premium has been paid for two years, and the insurance company shall refund the cash value of the policy after receiving the surrender application, and if the policyholder has paid the premium for less than two years, the insurer shall refund the remaining insurance premium to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge.

The surrenderer shall provide the following documents when handling the surrender:

If the insured requests to surrender the policy, the applicant shall provide a surrender application with the written consent of the policyholder;

The insurance policy provided by the surrenderer to prove the conclusion of the contract and the proof of the last payment;

Proof of identity of the policyholder;

If the policyholder or the insured entrusts another person to handle the application on his behalf, the power of attorney of the policyholder or the insured and the identity card of the principal shall be provided.

Hello! If it is within 10 or 15 days after signing the policy, which is what we often call the hesitation period, you can apply for a surrender of the policy, and the premium can also be fully refunded. If you apply for surrender after the cooling-off period, there is no procedural obstacle, but the policyholder will suffer a certain amount of financial loss.

Surrender is calculated based on the cash value stated in the contract. On the first few pages of the insurance contract, there are several statements about the cash value. At this time, you see what amount corresponds to the nth year, and above is how much money you should receive.

For those who surrender policies with high interest rates, it is recommended that you consider carefully, because surrender will bring you a certain amount of financial loss.

Hope it helps!

Depending on what type of insurance you buy, there will be a loss if you surrender the policy beyond the hesitation period!

The standard of insurance policy surrender deduction is not 1, if it is surrendered, it is related to whether the type of insurance is risky or saving, if the risk must be surrendered, the money that can be returned is very small, and even if there is no hail and hail is also possible; In addition, it is also related to the age of the insured, assuming that two people of different ages pay two different amounts of money and buy the same product at the same time, if they surrender the policy at the same time, the amount of surrender is also different, because it involves the age risk of the individual; Therefore, just talking about the retirement of the policy, how much money is deducted (that is, how much can be returned) cannot be explained here, 1 Generally speaking, there is a cash value on each insurance contract, as long as you show it to the person who has sold the insurance, you can probably calculate how much to return (that is, how much will be deducted); If the new insurance customer gets the refund within 10 days (the contract with the insurance company shall be subject to the receipt), only 10 yuan of the production cost will be deducted, and other expenses will not be deducted. Cancellation is a preferential right given to customers by insurance companies, so that customers can have a period of regret and familiarize themselves with the insurance provisions.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"