How to surrender the health and welfare critical illness insurance?

There are many kinds of health and welfare critical illness insurance products. I recommend you to take a look at it first: "Alipay Health Welfare Assessment: Is there a pit in Alipay's lifelong critical illness insurance?" Insurance companies include China People's Insurance Company, Cathay Property Insurance Company and Guohua Life Insurance Company. If you want to surrender, you'd better apply during the insurance hesitation period. If you pass the hesitation period, you can only get back the cash value of the policy. Surrender is very convenient. Call the customer service phone of the insurance company directly, or go to the counter of the insurance company's outlets with my ID card, insurance policy and bank card for surrender.

Surrender is to stop loss in time and pursue products that are more suitable for you and have better cost performance, but it is not recommended for people who have the following situations to surrender:

1, the body is no longer a healthy body

In addition to accident insurance, life insurance, critical illness insurance and medical insurance all need health information. If you are no longer healthy, it is difficult to buy new insurance products. Once surrendered, it means losing protection.

2. The payment time has exceeded 10 years.

If the policy has been paid for more than 10 years, it is not recommended that you surrender, because the cash value of surrender is too different from the premium paid, and the age has increased by ten years, even if the price of a new product is not cheap. At the same time, the probability of maintaining a standard healthy body during 10 years is extremely low.

Users who want to buy the most suitable insurance can consult Bao Dad, who focuses on insurance research and has evaluated and analyzed more than a thousand products, including critical illness insurance, term life insurance, medical insurance, accident insurance and children's insurance. Help users solve problems from an objective and neutral third-party perspective, and help 65438+ 10,000+family scientific configuration scheme, so that users can spend less money on insurance.