Can Ping An Fu be refunded after two months of being out of insurance?

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It can be refunded, but it has exceeded the cooling-off period to surrender the policy, and the cash value can only be returned, and there will be a part of the loss, so you need to be cautious.

Many people are confused when they buy insurance, but in the end, they feel that the insurance they chose is not satisfactory and want to surrender the policy. So don't be confused when you surrender the policy, there is a lot of surrender knowledge in this article, and 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.

Normally, a certain amount of premium will be lost when the policy is surrendered, but there are two exceptions:

1.Cooling-off period surrender:Generally speaking, there will be a hesitation period after buying insurance, and the time is about 10-15 days, and there is basically no loss when the policy is surrendered during this period;

2.Sales misleading:If you encounter the salesman's non-standard operation when you buy insurance before, and the signature that can make the insurance contract effective is not signed by you, it is very likely that you want to return the entire sum insured.

In addition, losses are inevitable, and minimizing economic losses is what needs to be done at this time, such as the option to reduce the amount to pay off:

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.

Surrender is not as cost-effective as this, but this method is not universal to all insurance, and the specific situation needs to be confirmed with the insurance company to know.

In addition,There are also several situations that need special attention when surrendering:

It is best to return the previous plan after the new insurance has been purchased and the waiting period has passed, and try not to have any interruption in coverage.

2.Health Status:If you have already been diagnosed with a disease that you did not have before, the chance of passing the new insurance health notice is not so high, and in this case, surrendering the policy is not a good option.

3.Payment card balance:If you are ready to surrender the policy, it is best to take out or transfer all the money in the bank card used to pay the insurance premium, so as to avoid being deducted when the payment period is reached.

In fact, there are many details of surrender that we have to pay attention to, due to space limitations, I won't say much here, if you are interested, you can take a look at this articleWhat are the details to pay attention to when surrendering an insurance policy? Hope!

Summary. Hello, Ping An Fu has stopped paying, and it can be refunded, and the insurance product of the insurance company can be surrendered at any time as long as there is no claim.

Hello, Ping An Fu has stopped paying, and it can be refunded, and the insurance product of the insurance company can be surrendered at any time as long as there is no claim.

It's been about a year, can I get a refund?

It can be refunded, but only the cash value of the first year, and the cash value of Ping An Fu is very low.

I've paid it for 3 years, how much can I get back?

How much do I pay per year?

It can only be refunded for the third year, and the cash value is about 4000.

Okay, do I need to bring my insurance policy and ID card?

Yes, it is enough to bring the policyholder's ID card, insurance contract, and bank card when you surrender the policy. It is recommended to go to the business hall to surrender the insurance, because if the business hall is withdrawn, it can be directly reviewed by the manual ruler side key, so that the surrender is relatively fast, and the general application is approved after the cancellation, and the premium can be refunded within three days. You can also apply for surrender through the A service** or the APP, but these two ways are relatively slow.

The suggestion is to go directly to the business hall of the insurance company to surrender the policy.

If you have the ability to teach, it is not recommended to return Li Shen file insurance halfway, because the loss is very large, and the protection of this blind shouting insurance is still relatively comprehensive, but the premium is relatively high, and the payment time is relatively long.

Ok thanks.

Hospitalization cannot be reimbursed, so it has to be refunded.

You're welcome, why can't the hospital reimburse? If it is due to the fault of the insurance company, then you can ask for a full surrender of the policy.