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人身险退保不当 当心赔了收益又折保障

2017-06-22 17:33:35   中国经济网

提示:退保前先弄清五点

对上述退保现象,北京保监局向消费者作出提示:人身保险退保有损失,请谨慎作出选择。

第一,退保必然会导致经济损失。过了犹豫期退保时仅退还保险单的现金价值,退保越早,投保人得到的退保金越少,特别是在未交满两年保险费的情况下,退保金更少。

第二,再次投保交费标准将提高。一般来说,投保同一种险种,被保险人的年龄越大,交费标准越高,如果退保后重新投保,便会因年龄的增长而多交保险费。

第三,保障责任随着退保而丧失。投保人原本享有的保险权益因退保而失去,面对随时可能发生的风险,被保险人将无法及时获得各项保障。

第四,重新投保将受到一定限制。若因退保而重新考虑投保长期性人寿保险,其保险条款中约定的疾病身故、疾病致残或自杀的保险责任免除期将重新计算。若投保人在责任免除期发生保险事故,保险公司不予赔偿。

第五,重新投保时可能会被拒保。某些人寿保险条款,以被保险人身体健康且不超过规定年龄为条件。退保后再投保,可能会因身体状况的变化或超过规定的年龄而被拒保,从而失去获得保险保障的权利。

记者随机采访了几位保险消费者发现,大部分人对退保之后可能面临的风险认识并不全面。有人认为新保险买上了保障就衔接上了,而疏忽了观察期的风险;有人认为表面价格便宜就更划算,疏忽了仔细对比各种保障的差异。因此,业内人士提醒消费者,投保前要考虑清楚,超过犹豫期之后的退保需要谨慎,以免遭受不必要的损失。

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