Merchants' commitment is always healthy. How to surrender the endowment insurance?

Hello, short-term insurance (China Merchants Cigna has 1 year, including one-year insurance, such as one-year accident insurance, medical insurance and very short-term travel insurance. The transfer clause is as follows:

Surrender the insurance within the hesitation period, and return all the premiums paid, without interest.

Surrender after the hesitation period, pay the premium on a monthly basis without refund; In the form of payment other than monthly payment, China Merchants Cigna will refund the unexpired net premium.

The general procedures for surrendering long-term insurance (including all insurances that are being sold by China Merchants Cigna for more than 1 year, such as various dividend insurance and endowment assurance, etc.) are as follows:

If you surrender your insurance within the hesitation period, China Merchants Cigna will refund all the premium paid without interest.

Surrender after the hesitation period, the balance after deducting the unpaid amount from the cash value will be returned.

The loss of surrendering midway is great, so don't surrender easily unless there are special circumstances. For details, please call the insurance company's customer service hotline.