Because I don't want to pay, I have to go through the formalities of surrender. But you don't have to worry. Now the insurance company requires you to have a physical examination. They won't deduct your premium unless you go for a medical examination. If you don't want to surrender, then ignore the medical examination, and the policy will be automatically revoked without medical examination within 30 days. If you feel uneasy, please call a salesman or you can cancel the insurance at the counter of the insurance company for one day. Soon, fill in the form and provide your ID card and bank card (both original and copy). It will be done in ten minutes. If you feel satisfied, please give me a favorable comment. If you are not sure, please call us:18717866881. I'm Lu Guiren, the insurance manager of Allianz Insurance Company in Germany.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.