It doesn't matter whether you sign the application form or not to buy commercial insurance. There is also an insurance company's audit procedure. If approved, you need to transfer money or swipe your card with a POS machine. You can refuse without any loss. If the transfer has been successful and you have signed the receipt of the insurance contract, the insured will hesitate for ten days from the date when the receipt in the contract is returned to the insurance company. During this period, the insurance company will fully refund the premium you paid, and you only need to pay the contract fee of 10 yuan.
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