First, answer the main questions back and forth. The premium of Ping An Insurance Company can be paid by credit card. The method of using Ping An Bank's credit card to pay the premium is as follows: Step 1, log in to Ping An No.1 account; Step 2, click "Credit Card"; Step 3, click on "Value-added Services" and find "Pay Ping An Life Insurance Company of China Renewal Premium"; Step 4: Enter the policy number, the validity period of the credit card and the 3 digits on the back of the card. The following seniors will tell you something about premium payment.
Before the lecture, Senior Sister prepared an insurance knowledge material for everyone. Interested friends can poke the following article:
Super full! Everything you want to know about insurance is here.
1. insurance payment method
At present, the common premium payment methods mainly include wholesale payment, annual payment and monthly payment. It is easy to understand whether it is annual payment or monthly payment, that is, annual payment or monthly payment of premium; Usually, the monthly premium can be paid, and most of them are insurance products sold by telephone.
However, wholesale payment is different. Wholesale payment actually means paying all premiums at one time. This payment method is mainly easier for the insured and the procedure is relatively simple. But it must be said that it is not an easy task for the insured with insufficient budget.
If a small partner wants to know more about the barge, the following article should not be missed:
What do you mean by "barter"? What are the benefits?
In short, the payment method of an insurance product is naturally the more choices, the better; In this way, everyone can choose their own payment method according to their actual economic situation and insurance needs.
2. Precautions for premium payment
In addition to wholesale payment, there is no need to pay premiums regularly. For example, a small partner who chooses to pay premiums on an annual or monthly basis may forget to pay premiums on time. What will happen if they don't pay the premium on the agreed fixed date? Let's talk about it for everyone.
Forgetting to pay the premium on time, the policy may enter three time periods: grace period, suspension period and termination period.
(1) If it is within the grace period (usually within 60 days of unpaid payment), you only need to pay the fee normally, and the policy is normal and valid. (2) If it is in the suspension period (unpaid premium 6 1 day -2 years), the insurance company needs to re-insure, and the policy can continue to be valid after passing, and the unpaid premium and interest generated during the period must be made up.
(3) If it is in the termination period (that is, the premium has not been paid for more than 2 years), the insurance company has the right to contact the contract and return the cash value of the policy, resulting in relatively large economic losses.
For those who forget to pay the premium, this article must be read:
If I forget the premium, will the policy status be invalid?
Hope to adopt
The same number on the whole network: Xueba said insurance, welcome to search!
Can I pay by credit card when I buy insurance?
Insurance can be paid by credit card, but it depends on the regulations of the local insurance company. For example, some insurance companies can only pay the first-year premium by credit card, but do not support paying the renewal premium by credit card. Therefore, before you apply for insurance, you can call the insurance company and ask which payment methods are supported.
There are many things to know before buying insurance. You can click below to learn more.
[Link] {Before buying insurance, you must first understand these key knowledge points! |; Label =% E4% B9% B0% E4% BF% 9d% E9% 99% A9% E7% 94% A8% E4% BF% A1%E7% 94% A8% E5% 8d% A1 % E6 % 94% AF % E4 % BB % 98% E5 % 8F % AF % E4 % BB % A5 % E5 % 90% 97-% E7 % 99% BE % E5 % BA % A6 % E7 % 9F % A 5%
In addition, after figuring out which payment methods insurance supports, you need to know which payment methods products provide, which are usually divided into one-time settlement and delivery. People with high income can choose to settle in one lump sum, while people with average income can extend the payment period and reduce the annual premium pressure.
Want to know how to choose the payment period, you can refer to the following article.
[Link] {How to choose the payment period so as not to lose money? |; Label =% E4% B9% B0% E4% BF% 9d% E9% 99% A9% E7% 94% A8% E4% BF% A1%E7% 94% A8% E5% 8d% A1 % E6 % 94% AF % E4 % BB % 98% E5 % 8F % AF % E4 % BB % A5 % E5 % 90% 97-% E7 % 99% BE % E5 % BA % A6 % E7 % 9F % A 5%
Finally, when buying insurance, we should pay attention to that everyone should start from the product and judge whether the product is suitable for them according to their actual situation, instead of blindly believing that the insurance of big companies must be good.
If you want to know what other points you need to follow when applying for insurance, you can read the following article.
[Link] {This insurance principle is correct! |; Label =% E4% B9% B0% E4% BF% 9d% E9% 99% A9% E7% 94% A8% E4% BF% A1%E7% 94% A8% E5% 8d% A1 % E6 % 94% AF % E4 % BB % 98% E5 % 8F % AF % E4 % BB % A5 % E5 % 90% 97-% E7 % 99% BE % E5 % BA % A6 % E7 % 9F % A 5%
Hope to adopt
The same number on the whole network: Xueba said insurance, welcome to search.
Can I pay the insurance premium by credit card?
Nowadays, people's awareness of insurance is getting stronger and stronger. Some people think that the premium can be paid by credit card when buying insurance.
First, the premium can be paid by credit card.
In fact, netizens need not worry too much. Premium can be paid by credit card, because credit card can be used for shopping and consumption, and buying insurance is also a way of consumption for consumers. You can pay the insurance premium by credit card. For example, premiums are paid once a year, or several times a year. At this time, you can bind your credit card and deduct money from it. As long as your credit card has been used, you can always pay your insurance premium. In fact, this method is also welcomed by many people, because some people are often deducted the annual fee because the credit card limit is not used up. By paying the insurance premium, some people can avoid deducting the annual fee.
Second, rational use of credit cards.
Credit card is a financial tool in the west, and its essence is to let consumers spend in advance, thus increasing consumption and economy. From the national level, it is not a bad financial tool, but it is easy to mislead people to over-consume or be used by willing people. But in any case, as long as people can control themselves, credit cards are still a good tool. At the same time, many young people choose to use credit cards to manage their finances and use the money in credit cards to buy funds and stocks. In fact, this method is risky. Because every investment is risky, if your stock market or fund loses money, it is actually equivalent to owing more money. I also hope that everyone can use it reasonably when choosing investment and wealth management products with clear risks.
Third, choose insurance carefully.
At present, there are various insurances in the market, and many people are easily confused by these insurances. The insurance they want and the insurance they buy are actually two different things. And the insurance premium should be paid on time. If you don't pay, the insurance premium you paid before will be scrapped. Even if you don't enjoy the insurance payment, it is difficult to refund the premium of the later insurance. In this case, many people buy insurance without knowing the actual situation, and it is easy to regret it, resulting in property losses, so they must carefully consider before buying insurance and finally decide whether to buy it.
Can Pacific Insurance pay the premium by credit card?
The insurance premium can be paid by credit card. 1. Credit cards can be used to buy insurance. After choosing to purchase insurance, the payment method is credit card payment; 2. If all prizes are paid at the same time, you can pay the prizes directly by rolling your credit card; 3. If it is installment payment, you can fill in the insurance contract by filling in the credit related to the premium payment method. So don't worry that the credit card can't be paid. The use of credit cards is more and more extensive, and it is more and more convenient for everyone.
Regulatory provisions on premium payment by credit card
Credit cards can pay premiums, but Bank of Communications credit cards can't (generally, big insurance companies can't pay premiums with Bank of Communications credit cards).
Legal basis:
Measures for the Supervision and Administration of Credit Card Business of People's Republic of China (PRC) Commercial Bank
Article 3 Commercial banks operating credit card business shall protect the legitimate rights and interests of customers and the security of relevant information according to law. Without the authorization of the customer, the relevant information shall not be used for other purposes than the bank's credit card business.
Article 4 Commercial banks operating credit card business shall establish and improve the risk management and internal control system of credit card business, strictly implement authorization management, and effectively identify, evaluate, monitor and control business risks.
Article 5 Commercial banks operating credit card business shall fully disclose relevant information to cardholders, reveal business risks, and establish and improve the corresponding complaint handling mechanism.
Article 6 The China Banking Regulatory Commission and its dispatched offices shall supervise and manage the credit card business of commercial banks according to law.
How to pay the insurance premium by credit card
Take a credit card to the insurance company to pay the premium, so that you can pay by credit card. The objects of commercial insurance can be people and things (both tangible and intangible), specifically life and body, property, interests, responsibilities and credit related to property.
The business of commercial insurance should aim at profit, obtain the maximum profit, and ensure that the insured enjoys the maximum economic security.
Extended data
Commercial insurance is based on the principle of equality and voluntariness, and the establishment of insurance relationship is completely decided by the insured. Social insurance is compulsory, and all citizens or workers who meet the statutory conditions are directly paid insurance premiums by national legislation.
The coverage of commercial insurance shall be determined by the applicant, the insured and the insurance company through consultation. The coverage and level of different types of insurance are different, while the coverage of social insurance is generally stipulated by the state in advance, with narrow risk coverage and low level of protection. This is determined by the nature of its social security.