Personally, I think you have misunderstood the word insurance hesitation period. The hesitation period of buying insurance refers to a period when insurance can be fully surrendered. If the insured surrenders within the hesitation period, after deducting a small amount of work costs, he can get back all the premiums; However, if you surrender after the hesitation period, you can only get the cash value of the policy or the unexpired net premium, and the economic loss is not small. Different insurance products have different hesitation periods. The hesitation period is generally 10 days after the insured receives the insurance contract and signs it in writing, and 15 days after purchasing insurance through bank channels. During this period, the insurer may agree to the applicant's application, terminate the contract, and return all the insurance premiums collected, which is subject to the insurance contract.
So to put it simply, this is usually a time limit when you want to surrender your insurance, and after the insurance hesitation period, you may lose relative benefits. If you don't pay the money during the hesitation period, it won't have a particularly great impact on you, but if you don't pay the money after a while, your contract may be automatically terminated. According to Article 36 of the Insurance Law, if the insurance payment is interrupted, the insurer may urge the insured to pay. The insured fails to pay the current insurance premium for more than 30 days from the date of the insurer's reminder, or fails to pay the insurance premium for more than 60 days after the agreed period, but only returns the cash price of the policy, but not all the insurance premiums. Therefore, if you must think clearly about insurance when you surrender, it is recommended to contact the staff to make up the unpaid insurance premium.
In fact, from the proportion of the general public buying insurance, general health insurance occupies a large position. Health insurance is generally divided into medical insurance and critical illness insurance, which is mainly used to protect the risk of diseases, because the occurrence of some major diseases will bring huge medical eagle and even destroy a family. When a person is sick, the whole family suffers a lot. In this case, buying insurance is only a responsible performance, so I personally think that if the insurance you buy is not particularly expensive but still helpful to you, I suggest you not to surrender it for the sake of temporary interests.