If a user is cheated by a credit card to buy insurance and wants to surrender, he must firmly grasp the hesitation period of insurance surrender. According to the regulations, 15 days after the user is insured is regarded as a hesitation period. If you surrender within the hesitation period, the loss of the insured is low, but if you surrender after the hesitation period, you can only get the amount of the policy itself.

There are two kinds of surrender. The first type: hesitant surrender. If surrender occurs within the hesitation period, the insurance company will refund the premium paid after deducting the cost. The hesitation period means that you can return the goods for no reason in the first ten or twenty days after purchase. The hesitation period of most long-term insurance products is around 10-20 days. The second type: surrender after the hesitation period. After the end of the hesitation period, the applicant's application is terminated, and the insurance company will refund the cash value of the policy within 30 days after receiving the application.

1. You can call the customer service phone of the insurance company to apply for surrender. After dialing, you can ask the customer service for surrender and provide relevant materials.

2. You can go to the insurance company's business outlets for surrender, and you need to bring the application for termination of the contract, ID card and insurance policy and other related materials.

Insurance surrender process:

1. First of all, you should confirm whether you meet the conditions for surrender. You can call the insurance customer service or ask the insurance company.

2. After confirming that you meet the conditions for surrender, prepare relevant surrender information as required. Generally, you need to prepare your valid ID card, bank card, first invoice, first insurance policy contract, etc. It is recommended to prepare the original and copy;

3. Then take the materials to the counter of the local insurance company for surrender procedures. You need to receive and fill out an application for canceling the insurance contract, fill it out and give it to the staff of the insurance company. In addition, you need to fill in some documents and read the signature clearly.

4. Specify your own surrender bank account. If it is a new card, give the other party a copy of the bank card;

5. After waiting for the insurance company's audit, the insurance company will transfer the money to the designated bank account after the audit is passed.