How much accident insurance can be refunded depends mainly on the policy agreement of accident insurance products. Generally speaking, short-term accident insurance has no cash value. When the consumer surrenders, the insurance company will calculate according to the underwriting time, and return the remaining premium after deducting the corresponding insurance fees and handling fees. At present, most of the accident insurance products on the market are short-term products, and consumers don't get much return premium after surrender, which means they have to bear certain premium losses. Therefore, when you apply for accident insurance, you must consider whether this insurance meets your own protection needs and try to avoid surrender.
First, many consumers want to surrender after purchasing accident insurance that does not meet their own needs. Then the steps of accident insurance surrender are: first, consumers need to judge whether the accident insurance they bought belongs to long-term accident insurance or short-term accident insurance. Long-term accident insurance has a hesitation period. If consumers surrender their insurance during the hesitation period, they can directly notify the insurance company to terminate the contract. Short-term accident insurance generally has no hesitation period. If consumers want to surrender, they can directly contact the insurance company to surrender, but they are bound to face certain premium losses. You can't just think that the premium is cheap. When you take out accident insurance, we can't take the premium as the only criterion to measure accident insurance. We must comprehensively consider the scope of protection and the amount of insurance, buy accident insurance products suitable for ourselves, and bring beneficial protection to ourselves.
Two, according to their actual situation, flexible insurance. There are many accident insurance products, such as traffic accident insurance, travel accident insurance and aviation accident insurance. And there is no accident insurance to protect all accidental risks. When buying products, you need to choose different accident insurance products according to your different needs, and it is best to buy multiple products together. Hand-torn insurance refers to issuing insurance policies by tearing tickets. The insurance policy does not record the relevant information of the insured, which is prone to claims disputes. The CIRC explicitly prohibits this kind of insurance, but everyone must pay attention to avoid buying this kind of insurance when purchasing.