The electronic insurance policy online cannot be refunded. I should bring the insurance contract and ID card to the insurance counter, or I can entrust it to a salesperson.

The following points should be noted:

1. The qualification to apply for surrender of insurance belongs to the policy holder. If the insured applies to surrender the policy, he must obtain the written consent of the applicant, and the applicant should clearly indicate who receives the surrender payment.

2. If the applicant applies for surrender and the contract has been effective for two years, the insurance company shall return the cash value of the policy after receiving the surrender application; if the payment time is less than two years, the insurer shall self-insure The insurance premium shall be collected from the beginning of liability to the termination of insurance liability, and the remaining balance shall be refunded to the applicant.

3. The surrender officer should provide the following documents when handling the surrender:

(1) If the insured requests the handover of the applicant's application, the insured shall provide the applicant's written consent for the handover. Application;

(2) Valid insurance contract and last payment voucher;

(3) Proof of identity of the applicant;

(4) Entrustment The ID card of the person and the principal must be entrusted by someone else. Service items: Policy surrender

When you need to terminate insurance coverage, you can apply to terminate the insurance contract through this item.

Processing methods and required documents:

Customers visit the customer service center in person to make inquiries and appointments at the Ping An Life Customer Service Center and cooperative banks. Visit the counter in person

Required documents: < /p>

①Application form for termination of insurance contract

②ID card of the policy holder (when the surrender fee is 0, a copy of the ID card can be used)

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

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

The customer entrusts a salesperson/other person to go to the customer service center Handle inquiries at Ping An Life Customer Service Center and cooperative banks

Required documents:

①Application for Termination of Insurance Contract

②Power of Attorney

③Identity document of the policy holder (when the surrender fee is 0, a copy of the ID card can be used)

④Identity document of the agent

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

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

Note: When entrusting a salesperson to handle the matter, the trustee is limited to the customer name Service personnel who place any valid insurance policy;

When entrusting others to handle the matter, the trustee can only handle the matter for the parents, spouse, children and other immediate family members of the qualified applicant

Extended information:< /p>

To surrender is to cancel the insurance policy. After the insurance contract is signed, both parties may terminate the contract by agreement or in accordance with national laws. In most non-life insurance term insurance policy formats, there is generally a clause on cancellation of the insurance policy, which states the conditions for either party to cancel the insurance policy before expiration, so as to protect their respective interests and avoid being unfairly affected by the termination of the insurance contract. reasonable damages. The terms generally stipulate that either party to the contract must send a notice to the other party within a certain period of time before requesting cancellation. The insurance contract will not expire until the end of the period. After the policy is cancelled, the corresponding insurance premium must be refunded.

If the policy does not take effect, the insured can in principle recover the entire insurance premium, but the insurer also has the right to charge a minimum premium or handling fee. If the insured cancels the insurance policy midway during the validity period of the insurance policy, the insurance premium shall be paid according to the prescribed rate, and the insurer shall refund the balance of the entire insurance premium after deducting the insurance premium payable to the insured; if the insurer requires cancellation of the insurance policy , the unexpired portion of the insurance premium shall be returned to the insured on a daily basis.

Reference: Baidu Encyclopedia-Ping An Insurance surrender details