For most health insurance, short-term accident insurance and medical insurance, there is no loan function because there is no cash value or cash value fluctuation. In addition to not having cash value, some insurance companies also stipulate that if premium exemption, reduction, policy advance, etc. have occurred, they cannot apply for policy loans.
2. Policy loans can only be handled by the insured himself, and cannot be entrusted to others. When handling a policy loan, you must show your identity certificate and insurance contract, and some insurance companies will also ask the insured to sign for confirmation.
3. The conditions for policy mortgage loans are: age 25-55 years old; One of the three items of household registration, work and residence information needs to be loaned locally; Taikang, Xinhua, China Life Insurance and Ping 'an, China, the insured paid the fees normally for more than 3 years, and did not stop paying during the payment period, and there was no change of the insured within 1 year.
Extended data:
The main contents of the insurance policy:
The insurance policy must clearly and completely record the rights and obligations of both parties. The insurance policy mainly states the names of the insurer and the insured, the subject matter insured, the insured amount, the insurance premium, the insurance period, the scope of liability for compensation or payment and other specified matters.
According to the applicant's application, the insurance policy is signed by the insurer and handed over to the insured. Insurance policy is the main evidence for the insured to claim compensation from the insurer when he suffers losses due to an accident, and it is also the basis for the insurer to collect insurance premiums. The main contents of the insurance policy include:
1. declaration
That is, the important information provided by the applicant is listed in the insurance contract as the basis for the insurer to underwrite. Such as the name and address of the insured, the name and location of the subject matter insured, the insured amount, the insurance period, the amount of insurance premium paid, and the guarantee or commitment made by the insured on relevant risks.
2. Insurance matters: that is, the insurance liability that the insurer should bear.
3. Exclusion liability: The insurer's liability shall be appropriately modified or limited, and the insurer shall not be liable for the losses caused by the excluded risks.
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