How to apply for surrender in my policy?

However, it is generally not advisable to surrender the policy.

For health insurance, the following factors should be considered before surrendering:

First, there is a loss in surrender, and most of the premiums paid cannot be returned, because health insurance is mainly leveraged, usually hundreds or thousands in exchange for hundreds of thousands of insured amounts, this kind of product mainly depends on the level of the insured amount, and the cash value is very low, usually much lower than the premium, if the surrender, we get the cash value.

Second, if there is no new product to connect perfectly after surrender, the insured will be in a blank period of protection, and no matter how cost-effective the original protection is, it is much better than nothing. This is mainly from the characteristics of the risk, no one can predict the time, size and way of the risk, nor can it be expected to happen to whom, therefore, the best way to avoid the risk is to have protection in time, transfer the risk, and surrender, will make us lose the protection, let yourself in a state of insurance, once you just encounter the risk, you will regret it.

Third, if there is a major change in the physical condition of the original insurance, there will be a risk of conditional underwriting for the new product, which refers to additional underwriting, except underwriting and deferred underwriting. Health insurance is not available to everyone, if our body has a more serious disease, the insurance company will not underwrite, the health notice of health insurance is to screen people who meet the physical condition, once they do not meet, they will be rejected by the insurance.

Therefore, regarding the replacement of products, we must consider several aspects, one is the physical condition, which is a very important factor, if the physical condition declines (the degree of decline needs to be judged by professionals), do not surrender the insurance easily, and may not be able to successfully apply for insurance after surrendering; The second is the payment period, if it is more than 3 years, try not to refund, of course, if the premium pressure is really huge, it can be replaced in the case of meeting the physical condition requirements; The third is to pay attention to the connection between the old and new guarantees, and pay attention to the connection of the waiting period if the replacement conditions are met.

There is a risk in surrendering, so be cautious, and be sure to find a professional to check before making a decision, don't act impulsively.

If you surrender the micro-medical insurance medical insurance, you can pay attention to WeChat***, Kangtai** insurance service, through the policy service, my policy column to query the policy information and apply for surrender by yourself. Surrender can be refunded the net premium for the current year and the current month. If you have any questions, you can contact **customer service or call the micro-insurance service**4009319966 for consultation.

Let's go to the local labor road and ask for advice.

You can check the policy you purchased in the existing policy to surrender the policy.

Next, you need to enter the customer service interface for help, as shown in the figure below.

The next step is to find out how to surrender the policy.

Finally, you need to provide a screenshot of the policy to communicate with the customer service about the surrender of the policy, as shown in the figure below.

The general surrender process of Wesure is as follows:

Click "My" - "Policy" in turn;

2.Go to the policy details page, click "Contact Customer Service", find the surrender problem, and follow the customer service prompts to surrender the policy;

Extended Information] 1. Surrender is the cancellation of the insurance policy.

After the insurance contract is signed, the parties may terminate the contract by agreement or in accordance with the laws and regulations of the country. In most non-local life insurance term insurance policy forms, there is generally a clause for cancellation of the insurance policy, which states the conditions under which either party may cancel the insurance policy before it expires, so as to protect their respective interests from unreasonable prejudice due to the termination of the insurance contract.

2. The clause generally provides that either party to the contract shall give notice to the other party within a certain period of time before the cancellation is requested, and the insurance contract shall not lapse until the end of the period. After the cancellation of the policy, the corresponding insurance premium must be refunded. If the policy is not in force, the insured can in principle recover the full premium, but the insurer is also entitled to charge a minimum premium, or a handling fee.

3. If the insured cancels the insurance policy in the middle of the validity period of the insurance policy, the insurance premium shall be paid at the prescribed rate, and the insurer shall refund the balance of all insurance premiums after deducting the insurance premiums payable to the insured; If the insurer requests cancellation of the insurance policy, the unexpired portion of the premium shall be refunded to the insured on a daily basis.

4. Surrender during the hesitation period.

Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of Cong Laling.

5. Refers to the act of either party to the contract announcing (or requesting) to terminate the insurance contract and cancel the insurance policy during the validity period of the insurance policy. In general, a non-life term insurance policy contains a clause for terminating the insurance contract, which stipulates the conditions for either party to cancel the insurance policy before it expires, so as to protect their interests from being damaged by the continuation of the insurance contract. The corresponding premium shall be refunded upon surrender of the policy.

6. If the insurance policy is surrendered before it comes into effect, the insured may, in principle, recover all the insurance premiums, but the insurer is also entitled to receive the minimum insurance premiums. If the insurer requests to terminate the contract, the unexpired premium shall be calculated on a daily basis and refunded to the insured.

Legal Analysis:1If you do not pay for the order after filling in the insurance information, you do not need to do any extra work, as long as you do not pay, the order will be automatically canceled after 24 o'clock on the day of application.

2.If the payment has been made, there is no need to panic, there is a hesitation period after the successful insurance, if the policyholder contacts customer service during this period, the policy can be surrendered in full. If you surrender the policy after the cooling-off period, you will suffer a certain loss (after the cooling-off period, you can refund the unexpired net premium of the current month, and a handling fee of 20% will be charged), so it is recommended that you proceed with caution.

Legal basis: Notice on the Issue of Pre-tax Deduction of Commission Expenses Related to Surrender Business of Insurance Enterprises Commissions actually paid by insurance companies before the occurrence of surrender business are allowed to be deducted before enterprise income tax; After the occurrence of the surrender business, the commission related to the surrender business shall not be deducted before the enterprise income tax.

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2.Go to the My Policies page, find the WeSure Million Medical Insurance policy that needs to be surrendered, and click the Surrender button. 3.

Fill in the surrender request information, including the reason for the surrender, the account number for the surrender, and other relevant information. 4.Wait for review.

After the surrender application is submitted, WeSure's customer service will review it and credit the refunded premium to your designated account within the agreed time<>

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2.Go to the My Policies page, find the WeSure Million Medical Insurance policy that needs to be surrendered, and click the Surrender button. 3.

Fill in the surrender application information, including the reason for surrender, the rollover of the surrender account, and other relevant information. 4.Wait for review.

After the surrender application is submitted, the customer service will review and credit the refunded premium to your designated <>account within the agreed time

<> kiss, expand as follows, the micro-insurance plan provides up to 1 million yuan of accidental death and disability protection, the purchase process is simple, no need to fill out a cumbersome questionnaire or physical examination, macro limbs only need to carry out a simple health notice to purchase, after the purchase is successful, the policy information will be automatically uploaded to WeChat, convenient for customers to view and prepare for the end of the year, in addition to VX million insurance also provides ** claims support, within 24 hours can complete all claims Oh<>

If the order is not paid after filling in the insurance information, the order will be automatically cancelled after 24 o'clock on the day of application.

If the payment has been made, there is a cooling-off period after the application is successful, and if the policyholder contacts customer service to surrender the policy during this period, the policy can be surrendered in full.

If the policy is surrendered after the cooling-off period, it will suffer a certain loss. After the cooling-off period, the policy can be refunded the net unexpired premium of the current month, and a handling fee of 20% will be charged.

Tencent Wesure is Tencent's Internet insurance platform, which will work with well-known domestic insurance companies to provide users with high-quality insurance services, allowing users to purchase, inquire and settle claims through WeChat, so that insurance is within reach. Tencent Wesure carries Tencent's connectivity capabilities, carefully selects cost-effective insurance products from many products for users, and provides exclusive value-added services for WeInsurance. In addition, Tencent Wesure combines Tencent's different scenarios to make insurance simpler, more fashionable and funr, so that users can get access to suitable protection when they need it.

Tencent Wesure is Tencent's Internet insurance platform, which will work with well-known domestic insurance companies to provide users with high-quality insurance services, allowing users to purchase, inquire and settle claims on WeChat, so that insurance is within reach.

Wesure carries Tencent's connectivity capabilities, carefully selects cost-effective insurance products from a wide range of products for users, and provides exclusive value-added services from WeSure. In addition, Wesure will combine Tencent's different scenarios to make insurance simpler, more fashionable and fun, so that users can access suitable protection when needed.

In order to provide a different insurance user experience, Wesure will export Tencent's core capabilities of "connectivity, security, and scenarios" and cooperate deeply with insurance companies. By combining the user reach and risk identification of Wesure, and the actuarial, underwriting, claims verification and offline service capabilities of insurance companies, we hope to achieve a win-win situation for the whole industry, and ultimately benefit users.

Wesure strictly abides by national laws, regulations and regulatory provisions, actively responds to the national development strategy of "Internet +", and helps improve people's livelihood and promote the all-round development of the insurance industry by combining traditional insurance business with Internet technology.

First, if the policyholder has not paid after filling in the policy information, there is no need to make any noise, as long as the policyholder does not click to pay, the order will be automatically canceled 24 hours before the same day;

On the micro-insurance platform, register and log in to your personal account, find My Policy on the home page, click on the policy that needs to be surrendered, click to enter the policy details page to find the surrender button, click on the surrender policy and follow the prompts to operate, note that a prerequisite is that the policyholder prepares electronic surrender materials.