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The effective date of the hesitation period is calculated from the time you receive the insurance contract.

When the agent sends you the contract, he will also ask you to sign the receipt of the contract. The date will be written on it. It should be the date of the day you signed the contract. The hesitation period will be calculated from that day.

Loss after the hesitation period

Insurance products stipulate a hesitation period, which generally refers to the 10 days since the policyholder receives and signs the insurance contract. If you cancel the policy during the hesitation period, you can usually recover all the premiums paid, and the insurance company will deduct a cost of not more than 10 yuan. If you cancel the policy during the hesitation period, the policyholder will bear a certain loss, and the insurance company will only refund the cash value or account value of the policy. Therefore, for insurance products that meet your needs, it is recommended to alleviate the temporary need for funds through policy mortgage loans and other methods to avoid unnecessary losses caused by policy surrender.

Insurance hesitation period surrender process

Customers should visit the customer service center in person

Required documents: ①Insurance contract termination application form

② Identity document of the policy holder

③Copy of personal bank settlement account passbook in the name of the policy holder

④Policy policy (no need to provide when only returning additional insurance or if it is an electronic policy)

⑤First installment insurance invoice

Customer entrusts salesperson

Required documents:

①Insurance contract termination application form

②Power of attorney

③Identity document of the policy holder

④Identity document of the agent

⑤Personal bank settlement account passbook in the name of the policy holder Copy

⑥Policy policy (no need to provide when only returning additional insurance or if it is an electronic policy)

⑦First installment insurance invoice

Note: Personal marketing policy Only the person and the salesperson who signs the order can be processed; bancassurance policies can only be processed by the person, account manager and immediate family members.