Can Wukongbao be refunded?

1. Wukong insurance automatically deducts fees, which can generally be refunded. If it surrenders within the hesitation period, the premium paid can be refunded. If you surrender after the hesitation period, you can only refund the cash value of the policy. In addition, if it is a one-year insurance product, it will be refunded halfway, and the remaining premium will generally be refunded after deducting the premium for the protection days. If you surrender after the expiration of the guarantee period, you can't refund any fees.

2. In addition, if the deduction is caused by the carelessness of Wukongbao, you can negotiate with the insured insurance company or Wukongbao to see if you can refund the automatically deducted money. However, if you have been insured for a long time, such as a few months or even a year, you can only get the cash value or residual premium of the policy by surrendering.

Running environment Huawei nova5pro1.14.116 Wukongbao 1. 12.0.

Deductive program

Routine 1: price temptation, binding "automatic deduction"

One is to attract new VIP members, and the other is to bind payment methods to provide the necessary conditions for' automatic fee deduction'. Some experienced users of online video members said that every time they recharge, they are tempted by the price, so they are basically cheaper "continuous monthly subscription".

Routine 2: The "automatic fee deduction" service is not cancelled on the page.

After users subscribe to "automatic fee deduction", in order to reduce the loss of VIP members, many online video websites have no "automatic fee deduction" service, or the location is difficult to find.

Routine 3: "automatic fee deduction" deducts fees in advance

Many online video websites deduct fees in advance, and deduct 65438+ fees about 0 to 3 days in advance. The exact time may vary for each enterprise.

Routine 4: members set up one set, and special resources will be charged again.

According to the data published by some online video websites, the VIP membership rate of some websites has reached more than 90%, which means that more than 90 of the 65.438 million users are VIP members, but when most people become VIP members, the membership rights are not so "noble".

Routine five: induced renewal

An online audio-visual platform downloads songs and displays them at extra cost. After clicking, a payment window will pop up. "After payment, you still can't download it. After paying three times in a row, you find that you have renewed the fee three times. Finally, you find the purchase channel in a line of small words on the page, and you can mark' renewal fee' in a prominent position, which is easy to be fooled. "

Routine 6: Only payment channels that can be automatically deducted are provided.

Document No.42 previously issued by Networked Settlement Co., Ltd. clarifies that before June 30, the direct connection between all third-party payment institutions and banks will be cut off, and banks will no longer directly provide withholding channels for third-party payment institutions.