The insurance company refused pre-authorization.

The money in the pre-authorization is returned to the bank card and the hotel needs to cancel the authorization.

Pre-authorization refers to the behavior that the cardholder requests authorization from the card issuer in advance through the POS machine when spending and settlement are not completed at the same time in hotels, hotels or leasing companies.

The so-called "pre-authorization" means that when the cardholder checks into the hotel, the hotel estimates the consumption amount according to the number of days of stay and the provisions of the hotel's prepaid deposit, and requires the credit card to do "pre-authorization", that is, pay the deposit. Hotel cashier swipes the card 1200 yuan. In fact, the money is still on the card, but it has not been paid to the hotel. It's just that the amount is frozen, and the POS slip is blank, not the proof of bank card deduction.

When checking out, the hotel will destroy the original blank pre-authorized POS list and re-apply the "pre-authorized completion" procedure according to the actual consumption situation. Some banks call it "pre-authorization confirmation".

The "Pre-authorization Confirmation" form is a new form issued by the hotel. The hotel will let me swipe my card before signing. After deducting the actual consumption amount from the pre-authorized amount, the remaining frozen funds will be unfrozen. At this time, the amount of the credit card is the real fee paid to the hotel.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.