I have paid my health insurance for two years. Can I return it if I don't want to pay? Can I get a half refund?

You can surrender, but the surrender premium is very low, generally less than half. In the compensatory health insurance contract, the insurer pays the maximum amount of medical insurance, such as the limit of single disease, the limit of hospitalization expenses, the limit of operation expenses and the limit of outpatient expenses.

First, under normal circumstances, surrender will lose a certain premium, but the following two situations will not:

1. Surrender in hesitation period: Generally speaking, there will be an insurance hesitation period after buying insurance, and the time is about 10- 15 days. If you surrender during this time period, there is basically no problem in returning the premium in full;

2. Misleading sales: If the salesman is misleading when buying insurance, I didn't sign the signature in the insurance contract, and it is very likely that you want to return all the insured amount.

Second, in addition to these two situations, a certain degree of economic loss is inevitable. At this time, reducing losses is the only thing we can do. For example, we can choose to reduce the amount and pay it off:

That is to say, you don't ask for surrender, but take the current cash value as the insurance premium and insure as much as you can. If you don't pay the fee in the future, the guarantee will still be effective, but the insured amount will be reduced.

Compared with surrender, this method reduces losses, but it is not necessarily suitable for every product. Need to confirm with the insurance company whether the contract has this function.

Third, don't underestimate these situations when surrendering:

1. Surrender time: After buying new insurance, wait until the waiting period before returning the old insurance to avoid lack of risk protection.

2. Health status: If you are already in poor health, you may not be able to pass the health notification of the new insurance. In this case, surrender is not recommended.

3. Payment card balance: If the idea of surrender is clear, you can empty the money in the bank card that pays the premium. If the surrender has not been successful, it will be difficult to be deducted when the payment period is up.

In the health insurance contract, in addition to the grace period clauses, recovery clauses and incontestable clauses of general life insurance, the insurer also stipulates some special clauses, namely the unique clauses of health insurance, because the risks of health insurance are variable, unpredictable and risky.