#记录我的生活#
When I didn't have a second child, there was an insurance salesman in our village, she was Xinhua Insurance, and she found me at that time, although she didn't explicitly say that I would ask him to buy insurance after giving birth, but she also let me follow her to the class.
After listening to the class, she also gave me a small gift, and then she sent me some greetings on WeChat from time to time. Later, after I gave birth to my second child, we didn't have any relationship, but she gave me a gift and bought clothes for the child.
Later, he began to introduce me to various insurances for children, saying that there is a kind of insurance, and it is very cost-effective to buy it on New Year's Day.
This insurance, the main insurance plus medical insurance, pays more than 3,000 yuan a year, and after 20 years, you can return all the money, including dividends, which is almost twice the total amount of money I paid.
At that time, I did want to buy insurance for my child, and she had been looking for me, giving the child gifts, and buying things, thinking that I would buy it anyway, so I would buy hers.
This insurance happened to be bought on New Year's Day, and after buying the insurance, she also sent another frying pan, saying that it was sent by the company for an event. Then she underpaid 200 yuan for the first year's insurance, saying that she didn't want her to get her job.
This year is the sixth year of insurance. When I bought the insurance, I was still in my hometown in Shandong, and then I took my children to Xinjiang.
At that time, this insurance was bound to a bank card in my hometown, and every year I deposited the money on the bank card in advance, and after New Year's Day, the insurance company directly transferred the money away.
It's just that since last year, the main insurance and medical insurance of this insurance have been separated, and the main insurance is 3256 yuan, which still needs to be deducted from the bank card. The medical insurance is more than 300 yuan, and you need to pay it from WeChat or Alipay.
Because I bought the school insurance for my child at school, I thought about not paying this medical insurance. Then at the end of December, I transferred the money directly to my bank card and waited for the insurance to be cleared.
After transferring the money to the bank card, I didn't think to check to see if the money had been transferred. I didn't remember it until today, as if I didn't receive a message from the bank transfer.
Then I quickly called the customer service number of Xinhua Insurance 95567 and consulted the manual customer service. The customer service told me that my insurance policy for this year showed that I had not paid the premium, that is, it had not been transferred from the bank card.
The customer service also said that it may be that the bank card restricts the transfer function, and they will check again. If you can't transfer money after verification, you can also change to another bank card.
Well, thinking that I transferred the money early, I didn't pay the fee, maybe it was really a problem with the bank card. Because this bank card was made by me when I was in my hometown, I haven't used it since I went to Xinjiang.
I happened to be in my hometown now, so I took out the insurance contract and looked at it again. There are so many things in the contract that I can't understand. Later, the salesman who sold insurance in our village was no longer in Xinhua Insurance, and another salesman was replaced.
I remember last year, I asked the current salesman, and she said that after 20 years of payment, I could return all the money I paid and the dividend money, which was almost twice the total amount I paid, and then the contract was terminated.
I don't know if you have bought this type of insurance? Is this insurance cost-effective? Is there a professional to help analyze how much money I can get after 20 years of paying this insurance?
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