平安人寿山东分公司2025年金融教育宣传周•以案说险：保单回访要上心 自己的权益自己守

Group 1 - The core issue revolves around a customer, Mr. Wang, who purchased a critical illness insurance policy with a coverage amount of 200,000 yuan and later sought a full refund due to a lack of understanding of the policy details during the purchase process [1] - The insurance company confirmed that the purchase process was compliant with regulations and that the follow-up call content was valid, indicating that Mr. Wang did not pay attention to the questionnaire during the follow-up [1][2] - The case highlights the importance of consumers thoroughly reviewing their insurance contracts and seeking clarification on any unclear terms to avoid misunderstandings [2] Group 2 - According to the regulations, insurance companies are required to conduct follow-up calls for new policies exceeding one year during the cooling-off period, ensuring that consumers are informed about their insurance rights [2] - The follow-up call serves as a crucial opportunity for consumers to understand the terms, coverage, payment periods, and exclusions of their insurance products, thereby protecting their interests [3] - Consumers are encouraged to take the follow-up process seriously and to ask questions about any unclear aspects, rather than providing vague affirmations, to safeguard their rights [3]