How to refund Huaxia Insurance? How much is the refund

There are two ways for Huaxia Insurance to apply for surrender. The first is to surrender the insurance within a ten-day hesitation period, during which only the production cost is deducted and the insured amount is refunded. The second is to apply for surrender after the hesitation period, and surrender will only refund the cash value of the policy. If the premium paid is not equal to the cash value, it will generally lose more than 50% of the premium paid.

1. If the purchased product can be directly surrendered by telephone, the manual customer service will directly guide us and inform us of the required information, and the surrender business can be completed after checking the identity;

2. If it is a product that needs offline surrender, it is generally necessary for the insured to prepare the ID card, insurance policy, bank card, surrender application form and the last payment certificate, and then go to the nearest offline store to handle the surrender business;

3. If you can apply for surrender through the Internet, you can mostly log in and query the corresponding policies through the official website of the insurance company, official WeChat account and APP, and then submit the required information by clicking the surrender button to complete the surrender process.

In fact, the amount of surrender cannot be generalized, because the amount of surrender is different according to different insurance products, different guarantee periods, different surrender times and different surrender methods.

Generally speaking, if it is a one-year short-term insurance product, there is generally no hesitation period. For example, one-year million medical insurance, one-year hospitalization insurance and one-year comprehensive accident insurance generally return the unexpired net premium, and the calculation formula is generally: unexpired net premium = insurance premium × [1-(days after the policy/days during the insurance period) ]× (1-25%).

If it is the surrender of long-term insurance products, how much can be refunded can be mainly divided into two types: the surrender during the hesitation period and the surrender after the hesitation period. Surrender within the hesitation period shall be refunded according to the regulations of the Bank of China Insurance Regulatory Commission, and all premiums paid by the insured shall be refunded after deducting the fees not exceeding 10 yuan; Surrender after the hesitation period is generally to return the cash value of the policy at that time.

: Frequently asked questions about credit card transactions exceeding the limit?

1. Exceeds the limit of single transaction/single day of credit card reader. At present, when swiping credit cards, most credit cards are swiped by a single card, and the maximum amount does not exceed 50,000 yuan. If you swipe 80,000 yuan at a time, even if your card can swipe 65,438+10,000 yuan, you will be prompted that "the transaction exceeds the limit". Solution: Just brush a small amount, or you can call the credit card service provider and ask about the credit card limit of this machine, as long as it is within the limit.

2. For some bank credit cards that exceed the upper limit of single/single-day transaction amount, there will be a limit of single/single-day transaction amount. For example, the maximum single/single-day transaction amount of this card is 50,000. If you swipe 80,000, this "transaction exceeded" prompt may appear. Solution: Just brush a small amount, or you can call the issuing bank and ask its customer service. What is the maximum transaction limit of this card per transaction/day? You can swipe it later, as long as it is within the allowable range.