Inside the insurance terms and conditions, we often see the waiting period, hesitation period, beneficiaries, and a variety of policy benefits and so on.

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So let's take a look at the hesitation period and find out what it refers to and what it does.

I. What is the hesitation period?

The hesitation period refers to: the policyholder in the receipt of the insurance contract within 10 days (generally 10 days, most of the insurance products sold by the bank insurance for 15 days, but the specific terms and conditions of the insurance policy is how to stipulate), in case you do not agree with the requirements of the contract of insurance, the policyholder can make an application for surrender.

As long as it is still in the hesitation period, the policyholder's application insurance company will agree, it is possible to cancel the contract, all the premiums paid can be returned, I'm afraid that some insurance companies will be subtracted from a few tens of dollars of the cost of work, labor and so on.

If you apply to cancel the insurance contract after the hesitation period, you are surrendering the policy, in which case the insurance company will return the cash value of the policy, at this time, whether you can get back the principal, you have to refer to the cash value, generally the cash value of each insurance product will be based on the policy year, it is not certain.

Two, how to buy critical illness insurance?

If the first configuration of insurance, in the process of applying for critical illness insurance, you should focus on the content of the coverage, the payout ratio, the threshold for claims, etc., in terms of critical illness coverage, must have the CIRC provisions of the 28 kinds of mandatory coverage of critical illnesses and critical illnesses in accordance with the 100% of the basic amount of coverage to be paid out, it is best to set up an additional compensation.

By way of analogy, a person who suffers from a serious illness before the age of 60 can get 180% of the basic sum insured, which not only pays for the medical expenses, but also compensates for the loss of income during the period of illness treatment.

There are many insurance companies that offer good products but have a high threshold for claims.

For example, in the case of the "loss of one eye" coverage, the condition of product A's claim is that the insured's eyeball needs to be completely removed in order to be eligible for compensation, whereas product B's claim stipulates that the insured's eye is blinded to be able to make compensation.

It's easy to see that the claim conditions for product B are much more lenient, and the success rate of the claim will be greatly improved, so we must look carefully at the claim conditions in the contract when purchasing a critical illness insurance policy.

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Three, the purchase of insurance matters

The above-mentioned mentioned the method of purchasing insurance, which basically has been the majority of the population of the insurance problem solved, however, in terms of different age groups of people, the process of purchasing insurance should also be concerned about the insurance problem.

In the process of equipping the insurance, we mainly buy those insurance products applicable to their own on it, do not buy the wrong, or it is easy to spend money.

To the newborn baby configuration, you can choose critical illness insurance, medical insurance and accident insurance, the family breadwinner will be the above several kinds of insurance are insured, and then add an additional life insurance.

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Four, where to buy insurance?

The channels usually used for insurance are online and offline.

1, offline channels

There are many offline channels to buy insurance, in general, there are physical stores, offline service outlets, insurance agents, bancassurance and so on.

2, online channels

There are a lot of online ways to take out an insurance policy, generally there are the official website of the insurance company, APP, telephone insurance, insurance malls, or other third-party channels, such as Alipay Ant Insurance, WeChat Weibao and so on.

In general, the insurance mall of the insurance company sells its own on-line, not many kinds, while the third-party insurance platform will collaborate with a number of insurance companies, perhaps more products.

Written in the end

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