How long does it take for the insurance money to be returned after the insurance is unsubscribed

Solution: Hong Kong insurance premiums are cheaper, the coverage is large, and the claim terms are relaxed. Because Hong Kong is one of the three major financial centers in the world, Los Angeles in the United States, London in the United Kingdom, and Hong Kong in Asia.

Therefore, you can enjoy lower premiums and higher returns when applying in Hong Kong. At the same time, most of the world's multinational insurance companies operating insurance business in Hong Kong, coupled with Hong Kong's complete legal system and strict supervision by the British legal system, all provide policyholders with a high degree of integrity and comprehensive protection. 1. For the insured of the same age, the Hong Kong premium is usually 60%-70% of the domestic policy2. If it is a critical illness, more diseases are covered, and 52 kinds of early-stage critical illnesses are also covered, and the coverage is more comprehensive.

3. After five years of the policy, the value has been higher than that of the domestic policy. What does this mean? Illustrate two....

Surrender is divided into hesitation period and normal surrender, the so-called hesitation period surrender refers to the policyholder applying for surrender within the hesitation period agreed in the contract. After deducting a certain amount of cost, the insurance company will refund all the insurance premiums paid without interest. According to the regulations of the insurance regulatory authority, the period within 10 days from the receipt and written receipt of the insurance contract by the policyholder.

Normal surrender means that after a certain number of years of the policy, the policyholder can apply for termination, and the insurance company shall refund the cash value of the policy within 30 days from the date of receipt of the application. The cash value of the policy refers to the amount of money that can be returned in the event of termination or surrender of the policy. When the insured requests to cancel or surrender the policy for any reason during the validity period of the policy, the insurance company will refund the cash value of the policy according to the regulations.

Policy Cash Value = Reserve for Deposit and Withdrawal Liability - Balance of Cancellation Deduction.

How long it takes to cancel the insurance depends on the specific type of insurance.

Since the insurance contract only clearly stipulates that the insurance company will receive an application for termination of the contract.

Within 30 days from the date of the date, the cash value of the insurance contract will be refunded.

Therefore, how long it takes to surrender the insurance to pay the air insurance depends on how long the insurance company has to deal with it, if the processing is fast, you can generally get the money in about a week, and if it is slower, you will get the money before the 30th.

At present, according to the contract, the surrender will also be divided into a cooling-off period.

Surrender and Cooling-off Period can only get back the cash value of the policy when the policy is surrendered during the cooling-off period, and only the cash value of the policy can be returned after surrendering outside the cooling-off period.

Since the cash value of the policy is very low in the early stage, in order to avoid unnecessary economic losses, it is better for the policyholder to surrender the policy during the hesitation period. Of course, the policyholder can also wait until the cash value of the policy exceeds the premium paid before surrendering the policy.

1. After the expiration of the insurance, if the insurance is surrendered, the insurance money will be received according to the surrender method specified in the insurance money, and there will generally be 90% to 50% of the surrender money.

For example, after the first year of insurance, to the second year of the decision to surrender the insurance, generally can withdraw ninety percent of the insurance premium, after signing the contract will have a surrender requirement, as long as the two parties determine to tear up the contract, the insurance surrender can reach an agreement.

The longer the insurance year, the more difficult it is to get the proportion of insurance money, but the insurance money will not be wasted, and the surrender premium given by the contract will be returned.

These insurance funds have benefits when they are signed, and there will be a specified time for payment, and if they repent, they will have to pay the compensation given by the content of the contract.

2. The insurance can be surrendered, and the surrender of the insurance requires the payment of a breach of contract, but it will not excessively deprive each other of an economic bill, but give each other a reasonable point of convergence for terminating the contract.

For example, after paying for five years, if you have not used this insurance benefit and benefits, you will be disappointed, either terminate the contract insurance money, buy another insurance money, or no longer continue to insure, hoping to get back the insurance money for these years.

Generally, there is more than 60% surrender benefit, which is also the way to break the contract.

The policyholder has the right to terminate the insurance premium, get back his insurance money, and not continue to invest in an insurance world.

The insurance company has the right to rely on a contractual contract to deny the funds of a right and to terminate a privately determined surrender benefit.

3. It is impossible to return all the insurance money, which is also the way of trust in the contract world, unless the insurance is reversed for three months, which can be regarded as a reasonable regret period of the review period, otherwise there will be no surrender money in full.

For example, when signing a contract, an agreement has been reached, and there will be staff members who have already explained the scope of insurance and have explained all the existence of the insurance world, which is also a reason why the surrender money cannot be fully refunded.

If you have chosen insurance and signed a contract to accompany the insured world, you will have to bear a little financial responsibility if you regret it.

Whether it is about 90% or more than 60% of the surrender money, Party A and Party B are satisfied with each other and tear up the contract before the transaction.

Generally speaking, the entire amount of the insurance cannot be refunded after the expiration of the insurance, and at most only a part of the insurance can be refunded.

No, there is no operation in this regard, if you buy commercial insurance, you will not return the insurance money, and rebate insurance may be possible.

Generally speaking, only if you purchase a refund insurance, you will be refunded the full amount of the insurance after the insurance expires. If not, it is likely that it will not be possible to return it in full.

Of course, you can get it back. And there are relevant regulations, as long as you communicate with the staff at the time, you can get it back.

Among the many insurances I know, there is no one that can refund the entire insurance money, and at most about 90% of the insurance will be refunded.

The insurance is paid during the period of reinstatement, and the policy can be surrendered. During the period of insurance application for reinstatement, even if the money is paid, the insurance company must re-examine the health status of the false customer and recalculate the waiting period, during which the insurance contract is only temporarily suspended, as long as the insurance contract is not ended, the policyholder can surrender the insurance at any time.

According to the Insurance Act.

The applicant should 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 benefit.

Generally, the following documents need to be prepared for the withdrawal of insurance: Application for cancellation of contract.

insurance contracts; Proof of the policyholder's legal identity.

Simultaneous surrender is divided into the following two situations:

1. 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 production.

2. Normal surrender:

Surrender beyond the cooling-off period will be regarded as normal surrender. Policies that have received insurance benefits are not eligible for surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.

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

The best time to surrender depends on the insurance product you have announced and the insurance plan.

Here's what you might need to know about surrender!

There are many insurance products, and you should choose according to your own situation, but some policyholders accidentally buy an insurance that is not suitable for them, and they want to refund the full amount when they surrender the insurance, so how to refund the full amount of the insurance surrender?

How do I get a full refund for insurance surrender?

1. Apply for surrender within the hesitation period: The hesitation period refers to the policy within 10 days from the date of receipt of the written receipt of the policy by the policyholder (15 days for the bancassurance channel). During the cooling-off period, if the policyholder does not agree with the contents of the insurance contract and applies for surrender, the insurance company will refund the premium paid free of charge.

2. The salesman violates the law: if the salesman has violated the rules in the process of purchasing insurance, such as signing on behalf of the salesman, or there is fraudulent sales or exaggerated sales, the policyholder can collect relevant evidence to prove that the salesman has indeed violated the law, and the full amount can be refunded;

3. Not my handwritten signature: If it is not my handwritten signature of the insurance contract, the insurance contract will be deemed invalid, in this case, you can go to the insurance company to apply for a full refund.

Can I still surrender my insurance policy after I have made a claim?

Insurance claims are generally not refundable premiums, but can be surrendered, which is the meaning of withdrawal from insurance, two standards for insurance surrender premiums, one is that the insurance is within the validity period, and the other standard is that there is no application for a claim, even if it is reported to the state.

There are some serious illness insurance claims that cannot be surrendered, and can not be renewed, after the claim is automatically terminated, because the claim indicates that the health of the insured does not meet the insurance conditions, so the insurance can not be renewed, and the insurance cannot be surrendered because the amount of compensation for the critical illness insurance is larger.

General commercial insurance can be surrendered after the claim is settled, but the premium can not be refunded, after all, the amount of compensation is often more expensive than the premium, if there is no compensation to apply for surrender, you can get back a part of the money, called the cash value, no matter which one must be agreed in writing by the policyholder.

The above is about the content of the surrender, if you have any questions, you can consult with Daddy!

The best time to surrender a policy is after the policyholder has paid the premium for two years. Here's why:

According to the relevant provisions of the Insurance Law, if the policyholder requests to surrender the policy, the insurance company shall refund the cash value of the insured's insurance policy.

If the policyholder does not pay enough premiums for two years, the insurance company will deduct the cost of lifting points, including the insurance company's commission on the sale of the policy during the insurance period, operating expenses and risk premiums.

Since the insurance contract only clearly stipulates that the insurance company will receive an application for termination of the contract.

The cash value of the insurance contract (premium paid) will be refunded within 30 days from the date of the insurance contract, so how long it takes to surrender the insurance depends on how long the insurance company will process, if the processing is fast, you can generally get the money in about a week, and if you are slower, you will get the money before the 30th.

If the policy is surrendered within the 10-day cooling-off period, the surrender of the policy during the cooling-off period will only deduct the cost of production and the insurance money will be refunded. If you apply for surrender after the cooling-off period, you will only be refunded 10-70% of the cash value of the policy. If the premium paid and the cash value are not the same, more than 50% of the premium paid will generally be lost, and the insurance company will refund the corresponding premium according to the cash value after the policyholder submits a surrender application, usually within 30 days.

<> insurance can be refunded in full when it expires, but it needs to go through certain procedures, including submitting a surrender application, paying late fees, and providing relevant information. This article will introduce in detail the process of surrendering an insurance policy at the end of the policy, and introduce the matters that policyholders should pay attention to during the surrender process.

1. The process of surrendering the insurance at the expiration of the insurance.

1) Submit a surrender application.

2) Pay a late fee.

After the policyholder submits the surrender application, the insurance company will calculate the late fee payable by the policyholder according to the time and duration of the policyholder's application, and the policyholder shall pay the late fee in time after receiving the late fee bill.

3) Submit relevant information.

The policyholder also needs to submit relevant information, including a copy of the policyholder's ID card, the policyholder's property certificate, etc., and the insurance company will review it according to the information provided by the policyholder.

4) After the review is passed, the insurance company will remit the insurance money to the policyholder's account according to the bank account provided by the policyholder, and the policyholder can inquire about the surrender amount.

2. Matters to be paid attention to in the process of surrender.

1) When submitting the surrender application, the policyholder should pay attention to the time and submit the application as far in advance as possible to avoid delaying the surrender time.

2) When submitting the information, the policyholder should pay attention to the accuracy of the information and ensure the authenticity of the information, so as not to affect the review of the surrender.

3) The policyholder should pay the late fee in time after receiving the late fee bill to avoid delaying the surrender time.

4) After receiving the surrender amount, the policyholder should confirm it in time to avoid unnecessary losses.

The full amount can be refunded when the insurance is surrendered, but it needs to go through certain procedures, including submitting the surrender application, paying late fees, clearing the mu and providing relevant information, etc., and the policyholder should pay attention to the matters in the surrender process, including the time of submitting the application, the accuracy of the information, the payment of late fees, and the confirmation of the surrender amount. Only by grasping these details can we ensure the smooth process of surrender and obtain the full surrender benefit.

The insurance you just bought can be surrendered, and the source is generally within the hesitation period (10 days, 15 days, 20 days after the insurance, the specific number of days is subject to the insurance contract) to surrender the premium paid, and the surrender after the hesitation period is the cash value of the refundable policy. If you need to surrender the policy, you can usually do the following:

1.Find an insurance salesman to handle the surrender procedures on your behalf. The policyholder can contact the insurance salesman, and then hand over the policy, a copy of his ID card and a copy of his bank card to the insurance salesman, who will handle the surrender procedures on his behalf;

2.Self-surrender. The policyholder can bring the policy, ID card and bank card to the offline service outlets of the insurance company to go through the surrender procedures;

3.Online surrender. Some insurance products can be directly ** on the surrender procedures, for example, Chinese Life Insurance can be surrendered in the "Chinese Life Insurance" APP, click on the home page to enter "More", you can see "Internet Business Surrender", click to enter, select the policy that needs to be surrendered.

The above steps are operating in the operating environment:

Phone model: Xiaomi 12

System version: MIUI 13