Joke Collection Website - Blessing messages - How does Xinhua Life Insurance refund the premium?
How does Xinhua Life Insurance refund the premium?
1. Submit an application for surrender to the insurance company by calling the customer service phone number of Xinhua Life Insurance or going to the branch counter, and explain the reason and time for surrender;
2. After reviewing the application for surrender, the insurance company will issue the surrender approval form and withdraw the insurance policy at the same time;
3. In accordance with the requirements of the insurance company, the surrenderer holds the surrender approval form and ID card to the insurance company to receive the insurance premium that should be refunded. Surrender is to cancel the insurance policy.
After the insurance contract is signed, both parties may terminate the contract through agreement or according to national laws. In most forms of non-life insurance term policies, there is generally a policy cancellation clause, which explains the conditions for either party to cancel the policy before the expiration, so as to safeguard their respective interests from unreasonable damage due to the termination of the insurance contract.
Generally speaking, the clause stipulates that either party to the contract must give notice to the other party within a certain period of time before requesting termination. After the expiration of the period, the insurance contract is invalid. After the cancellation of the policy, the corresponding insurance premium should be refunded.
1. How much can Xinhua Life Insurance refund if it applies for surrender?
If you apply for surrender within the hesitation period, you can get all the premiums paid after deducting the fees of 10 yuan.
1. If the insurance company surrenders after the hesitation period and the payment is less than two years, the insurance company will deduct the premiums that should be borne during the period from the effective date of the contract to the termination of the contract, and return the remaining premiums. This situation is the biggest loss;
2. If the payment has been completed for two years, you can get the cash value of the policy. This situation is generally about 70% of the total premium, and the loss should be calculated according to the cash value table agreed in the contract terms;
3. In some special circumstances, you can also apply for full surrender, such as signature behavior, sales staff fault and so on.
2. How can Xinhua Life Insurance get a full refund when it surrenders?
1, apply for surrender within the hesitation period. If you can apply for surrender within the hesitation period, you can surrender in full. Because in order to protect the rights and interests of consumers, insurance companies will provide a period of regret, that is, hesitation, during which they can apply for full surrender;
2. In addition, if all the evidence can prove that consumers have been cheated by insurance salesmen, they can also apply for full surrender. This evidence often requires written records or chat records, so you should keep your own insurance records when you apply for insurance.
Third, under what circumstances can I surrender completely?
1. The agent has signed on his behalf;
2. There are refunds or gifts during the sales process;
3. Exaggerated product income and claims in the sales process;
4. Agents induce or mislead sales, etc.
4. What should I pay attention to when Xinhua Life Insurance surrenders?
1. Pay attention to the time of surrender. Once you surrender, the existing protection disappears. There may be a security window at this time, and you should apply for surrender after the new insurance takes effect. At this time, you can seize the two-month payment grace period and use this time to wait for the new insurance to take effect;
2. Pay attention to the health status of the insured. If the health status changes, it is likely to affect reinsurance. Some critical illness insurance and medical insurance have certain requirements for health status. Pay attention to whether you can know the health status through the health status of the new insurance;
3. Note that the bank card used for payment has no balance. If you decide to surrender the insurance, you must first empty the balance in the bank card that paid the premium, so as to avoid the bank automatically deducting the fee if it reacts too late, and then deducting the premium again.
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