Surrender during the hesitation period is calculated from the date when the insured signs the policy. Usually, the hesitation period of long-term health insurance products should not be less than 15 days, and the hesitation period of some health insurance products with a term of 1 year is generally 10 days. The hesitation period, also known as the cooling-off period, refers to a period of time after the insured receives the insurance contract and signs it in writing. If he disagrees with the contents of the insurance contract, he can apply for surrender. The CBRC stipulates that if the applicant applies for surrender within the hesitation period, the insurance company shall refund all the premiums paid by the insured, and shall not charge any other fees except deducting the fees not exceeding 10 yuan.

In the period of hesitation, you must pay attention to the following points:

1. If you can't receive the insurance policy in time due to special circumstances, you'd better inform the insurance company in advance. Secondly, after receiving the policy, you must fill in the policy receipt in person and indicate the date. Because the insurance company's determination of the hesitation period is based on the date of receipt, many insurance companies now provide electronic insurance policies and sign them with electronic receipts.

If the last day of the hesitation period falls on a holiday, most companies can postpone it to the first working day after the holiday.

3. The insured must read the insurance clauses carefully. If you don't know enough about yourself or understand the contents incorrectly, you should ask the agent in time to avoid accidental insurance.

4. If the applicant hesitates to surrender, he does not need any reason, but he must apply to the insurance company in writing, and the oral request is invalid. Surrender beyond the hesitation period can only return the cash value of the contract.

Test your anti-risk index, and experts will interpret it for you for free!