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Financial Knowledge Publicity: Insurance Essentials

【退保VS現(xiàn)金價(jià)值】是什么意思？

III. [Surrender vs. Cash Value]: What Do They Mean?

有時(shí)候，生活中的變化可能會(huì)讓您考慮提前退出一份保險(xiǎn)保障。但是，您知道這樣做會(huì)帶來什么影響嗎？

Life changes may sometimes lead you to consider ?surrendering your policy early?. But are you aware of the consequences? this decision could bring?

相關(guān)定義 ?

Relevant Definition ?

現(xiàn)金價(jià)值：是指投保人退?；虮ｋU(xiǎn)公司解除保險(xiǎn)合同時(shí)，由保險(xiǎn)公司向投保人退還的那部分金額。通常情況下，保單年度末的現(xiàn)金價(jià)值會(huì)在保險(xiǎn)合同上載明。

Cash Value?:?The amount refunded by the insurance company to the policyholder upon ?surrender of the policy? or ?termination of the insurance contract by the insurance company?. Typically, the cash value at the end of each policy year is ?stipulated in the insurance contract?.

實(shí)際案例 ?

Actual Case ?

王先生購買了一份終身壽險(xiǎn)，已繳費(fèi)8年，累計(jì)保費(fèi)12萬元。由于資金緊張，王先生選擇退保，根據(jù)合同約定獲得現(xiàn)金價(jià)值4萬元，在失去保險(xiǎn)保障的同時(shí)產(chǎn)生了8萬元經(jīng)濟(jì)損失。幾年后，王先生因年齡增長和體檢發(fā)現(xiàn)“高血壓”，希望再次獲得保險(xiǎn)保障，再次投保時(shí)發(fā)現(xiàn)由于年齡增長保費(fèi)更高且需除外高血壓相關(guān)責(zé)任才能獲得保險(xiǎn)保障。

Mr. Wang purchased a ?whole life insurance policy? and paid?the?premium for 8 years, accumulating a total of 120,000??yuan. Due to financial strain, he chose to ?surrender the policy?, receiving a ?cash value of 40,000??yuan?as stipulated in the contract. This decision not only ?cost him his insurance coverage? but also resulted in an ?economic loss of 80,000?yuan?.?Several years later, Mr. Wang sought to regain insurance coverage. However, due to ?age-related premium increase and a recent medical diagnosis of ?“hypertension”? during a health check-up, he discovered that?his new premium would be ?significantly higher??and coverage for ?hypertension-related risks? would be ?excluded.

保險(xiǎn)小貼士

Insurance Tips ?

退保將導(dǎo)致您失去現(xiàn)有的保險(xiǎn)保障，只能退還保單的現(xiàn)金價(jià)值。如果您以后想再次購買保險(xiǎn)產(chǎn)品，隨著年齡的增長和健康狀況的變化，可能會(huì)面臨更高的保費(fèi)甚至被拒保的風(fēng)險(xiǎn)。

Surrendering your policy will result in the ?loss of your current insurance coverage,? and only the ?cash value? of the policy will be refunded?. If you later seek to purchase new insurance, you may face ?higher premium or even ?rejection of coverage? due to age increase and changes in health status?.