The company's main business includes insurance rights protection, financial rights protection, consumer rights protection and other legal rights protection businesses, and surrender rights protection is also among them.
What if I want to surrender?
1. If you want to go through the surrender procedures, you can directly complain to the local branch of the Banking Insurance Regulatory Bureau, or you can call the official complaint hotline of China Banking and Insurance Regulatory Commission, China 12378 to let them intervene in the surrender through the regulatory authorities. Relatively speaking, you will return more. If it is due to the insurance company, you can surrender the insurance in full.
2. Generally speaking, companies that can fully surrender their insurance are fraud companies. By complaining to the regulatory authorities, he said that the other party illegally promoted insurance, but did not specify the specific situation. According to this article, they went to the local banking regulatory bureau to complain about the insurance company and asked for surrender.
How can I completely surrender my insurance?
1. If you want a full refund, you have to apply for surrender within the hesitation period. Generally, you can only surrender your insurance during the hesitation period.
However, although all the premiums paid during the hesitation period can be refunded, many insurance companies will charge a certain fee. The hesitation period of insurance is generally within 15 days.
You can't get a full refund if you apply for surrender after the hesitation period. Insurance companies usually only refund the cash value. In addition, if the insurance is signed on behalf of the customer, rather than the customer's wishes, then in this case, you can also apply to the insurance company for surrender and ask the insurance company to refund the premium in full.
What is the specific process of surrender?
1, the person who surrenders must first call the customer service hotline of the commercial insurance insured by the applicant or apply for surrender at the customer service center of the local insurance company, because not all situations can be handled, for example, the policy that has already received insurance money cannot apply for surrender.
2. The staff of the insurance company will inform the surrenders what materials need to be prepared when applying for surrender, generally including the original ID card, bank account, insurance policy, etc.
Of course, the insured can also log in to the insurance company official website to inquire about the specific materials to be prepared for surrender.
3 surrender to the required materials to the major insurance service outlets for surrender procedures. Before surrendering, the insured should fill in the Application Form for Termination of Contract, submit the insurance contract and the legal identity certificate of the insured, and at the same time, the insurance company will take back the surrender policy, and then pay the surrender money to the bank card account of the insured at the agreed time. General funds will arrive in 3-5 working days, when consumers can pay attention.
4. Consumers may not get a full refund when applying for surrender. During the insurance hesitation period, you should consider whether you need this product. If you feel that the product is not suitable for you, you should surrender it in time.