China Life's renewal automatically deducted the premium, and it took three days to reply to the text message, saying that my premium could not be refunded. How can I get it back?

Irrevocable. There is no need to sign an agreement for automatic renewal. If the customer does not apply for surrender in advance, the automatic renewal period is 60 days. "That is to say, if the insured does not apply for surrender, as long as there is money in the bank card bound by the policy within 60 days after the expiration of the policy, the insurance company is eligible to deduct the corresponding insurance amount.

At present, the renewal process implemented by most insurance companies is that if the insured fails to go through the termination procedures, the insurance company will regard it as willing to renew the insurance until the customer submits a written application.

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1. What is automatic renewal?

Automatic renewal refers to automatic deduction from the reserved bank card after the guarantee period. There are two kinds of automatic renewal, one is clearly stated in the contract. Some companies will set the renewal fee as the default option, and if consumers do not take the initiative to contact, they will continue to deduct money; Some companies do not need automatic renewal, but also need to provide a written application. Second, the contract is not clearly stated, and the contract will be notified separately when it is about to terminate. Under normal circumstances, after the insurance expires, the insurance company will call or SMS to inform whether to renew the insurance. If there is no reply, it will be regarded as automatic renewal.

Second, the benefits of automatic renewal?

Although automatic renewal made us lose money without knowing it, it cost a sum of money, but from a dialectical point of view, automatic renewal is not all bad. Take consumer medical insurance as an example. Some companies will underwrite it for the second time. Elderly consumers with chronic diseases face the risk of being overcharged or refusing insurance. In this case, if you have automatically renewed your insurance, you don't have to worry about being overcharged or refused.

1, it is best to use special deduction fees when insuring.

If the debit card is used for daily living expenses, it is easy to be automatically deducted. To solve this problem, as long as you go to the bank to get a new card and deposit just enough money to pay the premium when you need to deduct the fee, when you want to deduct the fee automatically, there is not enough balance in your account to pay the premium. If you don't deduct the fee after the grace period of payment, the insurance company will automatically terminate the policy.

2. Submit a written application when the insurance is not renewed.

Some insurance companies will default to renew their insurance coverage without receiving active contact or written application from consumers. In order to ensure that there will be no automatic deduction, it is necessary to provide a written application for non-renewal of insurance to the insurance company.

3. Read the short message of the insurance company carefully.

Sometimes the insurance company will send a notification message to the consumer's mobile phone. At this time, we should pay attention to reading. If you ask about renewal, you should reply in time. If there are ambiguous sentences, consumers should call the insurance company to ask clearly to avoid being automatically renewed.

Read the insurance contract carefully.

The importance of insurance contracts is self-evident, but contracts are often wordy, official in language, rigorous and complicated. Some people don't read it carefully. Even if they read it carefully, they will inevitably miss some details. Some people even can't understand the meaning of some sentences or make mistakes. At this time, it is necessary to ask the agent carefully, make every word and sentence of the contract clear, avoid ambiguity, and the problem of renewing the contract will be solved.