1, the salesman did not give the application for the main reason for the surrender
Users in the hesitation period to surrender, then it represents the life insurance policy commission to zero, and the salesman's business is associated with the commission, so many salesmen do not want customers to surrender.
2, how to do
(1) in the business network to apply for surrender
Can carry the original ID card, insurance policies, premium invoices, savings card, go to the insurance company's service outlets counter to apply for surrender procedures. After the documents are completed, the insurance company will return the insurance cost to the consumer in seven working days.
(2) Report to the insurance company
You can directly dial the insurance company's artificial customer service telephone number, to the marketing staff to indicate their own situation, the insurance company will be in addition to assign the salesman for the customer to apply for surrender procedures.
The problem of surrender
To surrender as much as possible in the hesitation period, during which the application for surrender basically will not produce property damage. Insurance hesitation period after the surrender, generally only the policy value of the refund policy, the insurance policy before the policy value is relatively low.
Which is the best way to get the most out of a medical insurance policy?
To Huizhou Huimin insurance, although it can be insured with the disease, the price is low, the purchase of insurance group is more extensive, but the million medical insurance and Huimin insurance, Huimin insurance general shortcomings:
1, deductible is very high: social security directory of more than 10,000 yuan, social security directory of 12,000 yuan, that is, a total of 22,000 yuan of deductibles, the threshold of this claim is more stringent, and there are also some of the each of the 20,000 yuan of deductibles, it is 40,000 yuan of deductibles. deductible, is more than 40,000 yuan out-of-pocket, and million medical insurance for major diseases 0 deductible, general diseases more than 10,000 yuan deductible, generally a little big disease, generally can be impressed, million medical insurance payout threshold is relatively easy to do;
2, the health insurance reimbursement ratio is low: the general national health insurance directory outside of the health insurance reimbursement ratio in the 50-80% up and down, the market of the million medical insurance reimbursement ratio of 100%, than the beneficiary insurance ratio of 100%, stronger than the Huimin insurance.
3, personalized service is very chicken ribs: a particularly small portion of the market and health insurance reimbursement of the same, is a one-stop payment, but the vast majority of them do not provide hospitalization advances feature characteristics of the insurance company's millions of medical insurance with hospitalization advances more and more features, in the event of a serious illness, without the need for early fund-raising.
4, renewal uncertainty: although most of the universal health insurance by the local government specific guidance, but the renewal of the problem is still inconclusive, mainly to see last year's Huimin insurance operation, if the loss of money is more serious, can not be renewed is also the most common, but most of the commercial services million medical insurance is guaranteed to be renewed, in fact, it is the mid- and long-term to ensure that renewal of medical insurance under the sky, to ensure that Renewal of 20 years, a little more appropriate.
About the million medical insurance and the benefits of the insurance more specific content is introduced here, I hope can have some assistance.