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Financial Knowledge Publicity: Insurance Essentials

【退保VS現(xiàn)金價值】是什么意思？

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

有時候，生活中的變化可能會讓您考慮提前退出一份保險保障。但是，您知道這樣做會帶來什么影響嗎？

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

相關定義 ?

Relevant Definition ?

現(xiàn)金價值：是指投保人退保或保險公司解除保險合同時，由保險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)金價值會在保險合同上載明。

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?.

實際案例 ?

Actual Case ?

王先生購買了一份終身壽險，已繳費8年，累計保費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)金價值4萬元，在失去保險保障的同時產生了8萬元經濟損失。幾年后，王先生因年齡增長和體檢發(fā)現(xiàn)“高血壓”，希望再次獲得保險保障，再次投保時發(fā)現(xiàn)由于年齡增長保費更高且需除外高血壓相關責任才能獲得保險保障。

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.

保險小貼士

Insurance Tips ?

退保將導致您失去現(xiàn)有的保險保障，只能退還保單的現(xiàn)金價值。如果您以后想再次購買保險產品，隨著年齡的增長和健康狀況的變化，可能會面臨更高的保費甚至被拒保的風險。

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?.