Huaxia Insurance Evergain Insurance has been paid for 2 years, and will there be any impact if it is

Hello, it depends on whether you have passed the grace period to Huaxia Insurance.

Evergain (Classic) Critical Illness Insurance.

For example, if you pay the insurance premium in installments, after you pay the first premium premium, unless otherwise agreed in this contract, if you fail to pay the insurance premium when due, the grace period shall be 60 days from 0:00 on the day after the agreed payment date of the insurance premium. In the event of an insured event that occurs during the grace period, the insurance company will still bear the insurance liability, but the insurance premium you owe will be deducted when the insurance benefit is paid; If you do not pay the premium after the end of the grace period, this contract shall be terminated from 0:00 on the day following the expiration of the grace period. The cash value at the end of the policy year of this contract.

It will be stated in the policy wording that you can check with the insurance company for the cash value during the policy year.

During the period of policy suspension, the insurance company will not be liable for the insurance and you will no longer be covered by the insurance. If you and the insurance company do not reach an agreement after 2 years from the date of termination of the insurance contract, the insurance company has the right to terminate the insurance contract and the insurance company will refund the cash value at the time of termination. If the insurance contract is terminated, first of all, you will have a certain amount of financial loss; Secondly, if you want to repurchase critical illness insurance after the contract is terminated.

Or medical insurance, which may increase the premium for re-insurance due to your age, or in severe cases, it may even refuse your insurance due to a change in your physical condition or overage, resulting in loss of coverage.

If you want to apply for reinstatement within 2 years of the suspension of the contract, you will generally need to pay a late fee.

During the lapse of the policy, if there is a change in the insured's physical health (deterioration in health) or a change in work (increased occupational risk), the insurance company will usually reassess the risk level.

and insurance rates, so there may be an increase in fees after reinstatement, and there may even be a denial of compensation for a certain disease. Also, if the policyholder does not apply for reinstatement, the insurance company will definitely reinstate. The insured must submit sufficient evidence of insurability, and must make up the outstanding insurance premiums and interest.

1. Within 60 days of the severance of diplomatic relations, it is within the grace period and has no impact.

2. After 60 days of discontinuation, the policy cannot be automatically advanced, and it can be paid within 2 years, and a part of the interest can be paid, which will not affect the policy.

3. After 60 days of severance, the policy will be automatically paid until the current price of the policy reaches zero, and if it is not renewed, the policy will be terminated and all the benefits of the policy will be lost.

4. After 60 days of severance, the policy cannot be automatically advanced, and it is still unable to be paid after 2 years, the insurance company will surrender the policy and refund the cash value of the policy, which will cause a loss to a certain extent.

Expand your knowledge: 1. Insurance grace period.

The grace period of the insurance contract refers to the grace period granted by the insurance company to the policyholder for failing to pay the renewal premium on time. During the grace period, even if the renewal premium is not paid, the insurance contract remains in force, and if an insured event occurs during this period, the insurance company will still be liable for the insurance, but the outstanding premium will be deducted from the benefit amount. However, if the renewal premium is not paid in full after the grace period, the insurance contract will be terminated.

After the insurance is suspended, it will only be reinstated if the reinstatement is filed.

2. Automatic premium payment.

The time point for automatic premium payment is the day after the expiration of the grace period. After the advance payment, the company still bears the insurance liability, but when the insurance liability occurs, the insurance money paid by the company will be deducted from the advance insurance premium and interest. In the case of an insurance policy that pays insurance premiums in installments, if the policyholder fails to pay the insurance premiums on the date specified in the insurance contract, the insurance company will give the policyholder a grace period of 60 days in accordance with the provisions of the Insurance Law, and the policyholder will pay the full amount of insurance premiums due within the grace period, which will not affect the validity of the insurance contract.

If the policyholder fails to pay the premium within the 60-day grace period, if the policy has a cash value at that time, and the balance of the cash value after deducting the outstanding premium and interest, loan and interest is sufficient to pay the premium due and payable, the insurance company will automatically pay the outstanding premium so that the insurance contract will continue to be valid. "Automatic premium payment" is an optional right provided by insurance companies to customers, the purpose of which is to minimize the loss of insurance policies caused by unintentional mistakes by customers, and their interests are damaged. In the absence of such a provision, insured persons who have not paid premiums beyond the grace period would have to re-prove their insurability in accordance with the policy reinstatement procedure if they want the policy to remain valid.

3. Termination of Policy.

If the life insurance policy does not receive the renewal premium within the six-month grace period and the policyholder does not choose the cash value premium in the premium non-renewal option, the life insurance policy will be suspended. If the policyholder does not reinstate and renew the insurance within 2 years, the insurance contract will be terminated. _

Huaxia Insurance's evergain is still very reliable, this is a series of products launched by Huaxia Insurance, each product will be filed with the China Banking and Insurance Regulatory Commission, such as the evergain special version of critical illness insurance, you don't have to worry about being a fake product.

A comparison table of 136 popular critical illness insurances in China

Let's take the Evergain Special Edition Critical Illness Insurance as an example to see how Huaxia Insurance's Evergain series products are.

As can be seen from the protection chart, the Evergain Special Edition of Critical Illness Insurance supports people who were born and discharged from the hospital for 28 days to 65 years old, and the insurance age range is still OK, and the protection period of the product is lifelong, which is more suitable for people who pursue long-term protection.

The waiting period of Evergain Special Critical Illness Insurance is 90 days, and the payment period supports single payment and regular payment, of which the term payment supports 3-year payment, 5-year payment, 10-year payment, 20-year payment, etc., which can meet the insurance needs of people with different economic incomes.

In terms of coverage, the Evergain Privileged Critical Illness Insurance has basic critical illness, moderate and mild illness protection, which can provide comprehensive protection for the insured, in addition to the Evergain Preferential Critical Illness Insurance, which also extends the insured's waiver protection.

However, the Evergain Critical Illness Insurance comes with Death, Total Disability and Terminal Illness Benefits, which cannot be flexibly selected by the policyholder or not, so the premium may be relatively high, which may not be friendly to people with insufficient budgets.

Huaxia Evergain Special Edition Critical Illness Insurance Doxxing! A must-see before you buy

Finally, remind everyone that different age groups, different economic incomes, future expectations, etc., will affect the insurance plan, if you want to know what kind of insurance you are suitable for, you can see the insurance plan I wrote before:

How to buy insurance for different age groups? Everyone should have their own plan

That's all there is to it, hope.

Hello, I'm honored to have your question Huaxia Insurance Evergain is a series of critical illness insurance products released by Huaxia Life, because the protection is all-round, cost-effective, can meet the requirements of the difference in consumption code, and suffer from the praise of those who consume late filial piety, for example, Huaxia Insurance Evergain is a lifelong critical illness insurance that can be claimed several times for critical illness, its underwriting age is 0-65 years old, the protection period is lifelong, the payment deadline is single payment, 2 years, 5 years, 10 buy, 15 years, 20 years, and the waiting period is 90 days; If the insured applies for surrender during the hesitation period, the insurance company will refund all the insurance premiums paid, and the cost will be deducted by up to 10 yuan, and the surrender of the policy will be refunded according to the cash value of the insurance policy.

Summary. Hello, I'm glad for your question, Huaxia Insurance Evergain Insurance, which belongs to critical illness insurance, this is a consumer insurance, and it does not support the return of principal.

I bought Huaxia Insurance's evergreen, 20 years ago, when can I get the principal back?

Hello, I'm glad for your question, Huaxia Insurance Evergain Insurance, which belongs to critical illness insurance, this is a consumer insurance, and it does not support the return of principal.

Huaxia Insurance's Evergain Critical Illness Insurance provides comprehensive protection: critical illness, moderate illness, mild illness, death, and total disability are covered, and critical illness can be paid multiple times; Reasonable disease grouping: Cancer is grouped separately to improve the probability of multiple claims, and the protection of moderate diseases is comprehensive; High-incidence diseases such as mild cerebral stroke and chronic renal failure are classified as moderate diseases, and the compensation ratio will be increased.

If you have purchased Evergain (All-in-One) Critical Illness Insurance, the only way to get back the principal is to surrender the policy. However, after 20 years, the surrender period has passed, and at this time, it can only be refunded according to the cash value, and whether the principal can be recovered depends on the specific cash value. About Evergain (the relevant information of the all-round version of critical illness insurance, the senior sister has been sorted out here, and friends in need can pick it up:

Is ChinaAMC Evergain All-round Critical Illness Insurance Product Plan worth buying? Full review here!

In order to facilitate everyone's understanding, the following senior sister will introduce this product to you.

You can take a look at its security map first:

1. Analysis of insurance conditions.

As can be seen from the figure above, Evergain (All-in-One Version) Critical Illness Insurance supports people aged 28 days and 65 years old (inclusive) to apply for insurance, with a lifetime protection period and a waiting period of 90 days.

Secondly, the payment period of the product is relatively flexible, and while supporting single payment, a variety of different annual payment terms are also set.

If the budget is not very sufficient, it is more appropriate to choose a longer payment period. All else being equal, the longer the payment period, the less premium you need each year, and the less pressure you have.

2. Provide an exemption for the insured.

The protection content of Evergain (All-in-One Version) Critical Illness Insurance is also relatively comprehensive, and what is more attractive to senior sisters is the exemption protection provided by the insured.

When the insured suffers from a critical illness or mild to moderate illness covered by the contract, the subsequent premiums will be waived if the conditions are met, and the protection will still be valid. In this way, the insured can devote himself to **, which is very intimate. Hope.

ChinaAMC Evergain is a series of critical illness insurance launched by Huaxia Life Insurance, which is divided into special editions, flagship editions, children's editions and other products according to the different applicable groups and protection contents.

Among them, the Huaxia Evergain Special Edition and the Flagship Edition support people aged 0-65 years old to apply for insurance, and the protection is also relatively solid, which is the version suitable for most consumers.

1.There is a wide range of age to be proposed

The Huaxia Evergain series supports insurance up to 65 years old, which is more friendly to the elderly.

Because most critical illness insurance is more exclusive to the elderly, if you are over 50 years old, there are not many products to choose from.

2.Critical illness grouping is reasonable

To be honest, Daddy has evaluated so many critical illness insurances, and almost every product has added dozens or hundreds of other "critical illnesses" on the basis of the 28 critical illnesses that must be insured.

The Evergain Series Critical Illness Insurance covers 100 types of critical illnesses, which are divided into six groups.

The top 6 high-incidence serious diseases were distributed in 4 groups, and the most common malignant tumors were in a separate group.

In this way, the possibility of multiple claims is increased, which is beneficial to the insured person.

3.Moderate to mild illness coverage is acceptable

ChinaAMC Evergain Series Critical Illness Insurance covers 20 moderate illnesses and 35 minor illnesses, paying 50% and 30% of the sum insured respectively.

Relatively speaking, its moderate and mild illness coverage is not particularly prominent, but it is still passable.

4.Comes with a waiver of premiums

This product not only has the Insured's Severe to Moderate Illness Waiver, but also the Insured's Severe, Mild to Moderate Illness Total Disability Death Waiver, all of which do not need to be attached by yourself.

This is something that many products can't compare.