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【1】 犹豫期内退保
当购买的保险有犹豫期时,犹豫期内退保可以申请全额退保,不过会扣除一个工本费。犹豫期一般是从书面签收保单后的10天或者是15天内是犹豫期,也被称之为冷静期,此时退保就可以拿回全款。
【2】保险业务员有违规
在购买保险过程中,如果是保险业务员通过违规操作办理的保险,投保人可以申请全款退保,如代为签字、误导销售、夸大保险销售等行为,投保人在收集好情况后就可以前往保险公司申请全额退保。
【3】不是本人亲笔签名
保险合同一般需要投保人亲自签名,当保险合同并不是本人签名时,那么这份保险合同就是无效合同,投保人就可以向保险公司申请全额退保。