Taikang life insurance contract
Insurance publicity materials
Ms. Lu thinks it is risky and disagrees. Until September 9 of that year, the financial manager informed her that there was a discount to catch up with Teacher's Day. As a teacher, Ms. Lu pays 30,000 yuan a year to purchase the "Happy Sega Insurance Product Plan" and can purchase two places of "Taikang Health Enjoy Class C Medical Insurance". Ms. Lu agreed to buy two insurances together. Taikang life insurance salesman sent the contract, and Ms. Lu once again confirmed to the salesman that she really wanted to buy insurance together.
The contract of "Taikang Health enjoys C medical insurance" stipulates that the insurance will be automatically renewed. Three years later, when the renewal time comes, the insurance company will automatically deduct money from her bank card. At the same time, she also paid a premium of 90,000 yuan to the "Happy Sega Insurance Product Plan".
However, on August 20th this year, she received a short message from Taikang Life Insurance, informing her to change the insurance, and her "Taikang Health Premium C Medical Insurance Product" could be changed to "Taikang Health Premium 202 1 Medical Insurance". Ms. Lu said that when she received the information, she was confused and quickly called the customer service to understand the situation. "After the transfer, it has a great influence. At present, the maximum reimbursement for major diseases is 6.5438+0 million, and the maximum reimbursement for non-major diseases is 500,000. After the transfer, it becomes that the total * * * does not exceed 6 million. The original insurance promised to be renewed until the age of 99. After the transfer, the contract promises to be renewed for 20 years, and the contract will be terminated after 20 years. " Ms. Lu believes that after the transfer, the protection is greatly reduced and there is no need to renew the insurance. She opened the switch link, and there was no new product introduction, only the options of agreeing to switch insurance and not agreeing to switch insurance.
Taikang life short message
insurance clause
Taikang life insurance also agreed to surrender.
In addition, according to Article 36 of the Measures for the Administration of Health Insurance (20 19), insurance companies may not be forced to sell health insurance with other products. Ms. Lu believes that bundling expensive long-term main insurance sales with health privileges does not comply with relevant regulatory requirements.
After further consultation, the staff of Taikang Life Insurance said that they agreed to conditionally cancel the "Happiness Sega Insurance Product Plan" purchased by Ms. Lu, refund the premium paid, and cancel "Taikang Health enjoys C medical insurance". In this regard, Ms. Lu does not agree. She hopes that she will decide on the transfer or transfer of "Taikang Health enjoys C medical insurance" instead of the insurance company directly canceling it.
At present, Ms. Lu has reported this matter to Hubei Banking Insurance Regulatory Bureau.
Related Q&A: How does Taikang Life Insurance surrender? First, how to surrender from Taikang Life Insurance The process of surrender from Taikang Life Insurance is almost the same as that of general insurance companies. By contacting the insurance company-submitting the surrender information-qualification examination-confirming the surrender amount-transferring the surrender amount. Under normal circumstances, the whole surrender process can be completed within 1 month, and the time limit will be extended for some cases with surrender disputes. If the process is simple, it can also be completed within 3-5 working days. Of course, there are various channels for surrender, and different channels also have products and advantages suitable for surrender. Second, the way of surrender of Taikang Life Insurance For Taikang Life Insurance products, there are various ways of surrender, including the following: 1. Online surrender includes the official website of Taikang Life Insurance and the official WeChat account approved by Taikang Health app or Taikang Life Insurance. For some internet products or designated policies, we can directly complete the surrender process through online operation; 2. Offline surrender operation can also be handled manually by calling official website Customer Service or directly by Taikang Customer Service Center. This category is more suitable for some cases where the surrender content is more complicated.