Among them, critical illness insurance is generally bound to death first. If you are pain-free all your life, by the time you are 80 years old, its cash value is much higher than the principal, which is essentially equivalent to paying back the principal and making a profit.
Hospitalization insurance and accident insurance are paid annually, and the principal is not refundable.
Only those dividend insurance, such as education fund or endowment insurance, can supplement health insurance and critical illness insurance, which can be returned every year and the principal can be returned at maturity.
In addition, there is Ping An Xinli, which can not only return the survival fund, but also guarantee the serious illness and return the principal when it expires, which is also quite good.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.