On the issue of buying insurance, the business commission of general insurance products is very high, and there are different commission ratios according to different types of insurance. The commission of health insurance is generally above 10%, and the highest can even reach 40%. Users configure the relevant insurance, and the salesman can get the commission of the corresponding main force. If the user renews the insurance in the second year, the salesman can get a lower percentage of commission, and so on. If the user does not renew the insurance, the salesman will not get a commission.
First, you should make sure what kind of health insurance you buy.
At present, there are many kinds of insurance on the market. Even for health insurance, the same insurance company will launch a variety of health insurance. Different insurance schemes will have different configuration schemes, and the premiums and functions will be different. If you don't want to renew your insurance, you need to look at your insurance contract and find out what kind of health insurance you are.
Two, some insurance has a return function, this kind of insurance has the nature of financial management.
Some health insurance belongs to compound insurance, which generally has the function of return or contract. If you bought this insurance before, you need to focus on whether you will buy this insurance again in the future. Generally speaking, this kind of insurance has the function of compulsory savings, and you can even regard this kind of insurance as an investment product with financial management nature, and it also has a certain guarantee function.
Third, some insurance will have liquidated damages after surrender, and the salesman will not get the commission.
Many insurances cannot be surrendered at will after they take effect. If users surrender for personal reasons, they need to pay a certain penalty, ranging from 5% to 45%. Of course, if the user has explicitly surrendered, the salesman will no longer enjoy the commission of related insurance products. You have paid health insurance for one year. I suggest you comprehensively evaluate your actual situation, choose to reconfigure the insurance that suits you, or apply for surrender.