For details of surrender, please refer to this article: How to withdraw "insurance surrender", how much can be refunded, and how to reduce surrender losses?
In fact, the loss of guarantee insurance such as health insurance at the initial stage of surrender is very large, because the guarantee cost of guarantee insurance is relatively high, and the money given at the time of surrender is to deduct the operating cost (such as the commission to the salesman and the pure premium of the policy liability, etc.). ), so the guarantee cost is high, and the money returned to us is definitely less.
To sum up, we generally do not recommend surrendering the consumer health insurance that has been purchased for a long time. You can't get much money back if you return it. This kind of protection is better reserved for future prevention.
Therefore, when we want to buy health insurance, we must pay attention to whether the coverage of health insurance is what we need, whether the premium is affordable and whether our economic situation is stable.
Otherwise, whether you want to surrender after you can't pay the premium, or you think that the coverage is not good and you want to surrender, it may cause losses.
What kind of health insurance is good? Senior, take critical illness insurance as an example to give you a brief explanation ~
In the case of relatively sufficient budget, critical illness insurance needs to meet the following conditions:
Including the basic protection of mild and severe diseases; It includes multiple compensation responsibilities for high incidence and serious diseases, such as multiple compensation for malignant tumors and multiple compensation for cardiovascular and cerebrovascular diseases, including extra compensation for specific ages. For example, 80% of the insured amount can be paid for the first serious illness before the age of 60.
If you are not clear about the above standards, Senior Sister has also summarized some excellent critical illness insurance. You can compare and see: the top ten most valuable critical illness insurance stocks!
If you want to buy other insurance and don't know how to buy it, you can also look at the insurance pit avoidance guide compiled by senior sister: which insurance is good and how to buy it cost-effectively, and teach you to avoid these pits of insurance by hand.
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