But if it is a return type, then if the insured is not out of danger when the contract expires, then the principal can still be recovered.
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Generally speaking, it is difficult to get back the principal of health insurance products such as pure critical illness insurance.
If you surrender, you will return the cash value, but the cash value of products such as critical illness insurance is very low, and it is more difficult to get back the principal.
However, there are also refundable critical illness insurance, which can get back the principal.
This kind of insurance is actually? Treat the disease and pay back the money if you are not sick? If the insured is unfortunately out of danger during the guarantee period, the insurance company will pay a sum of insurance money, but the insurance company will not return the insurance money after the contract expires.
However, if the insured does not go out of danger during the insurance period, the insurance company will return an insurance premium after the expiration of the contract, which can be the paid premium or the basic insurance amount (see the contract for details).
For details, you can click here to learn that if there is an accident, you can pay for it, and if you have no money, you can return the insurance.
However, senior sister should remind everyone that this kind of refundable insurance premium is relatively high, which is more suitable for some people with sufficient budget.
If you pursue cost performance, you may wish to look at these products: the top ten critical illness insurance stocks with good quality and low price!
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