This harmonious health insurance has a term of six years. If you want to withdraw money after three years, it is usually through surrender.
Insurance companies usually refund the cash value because they surrender after the hesitation period.
If the cash value at this time is higher than the premium paid, then the higher part is equivalent to interest; On the other hand, there is no interest, or it may be because the cash value is not as high as the premium paid, and withdrawal will cause losses.
If you are not familiar with Harmony Health Insurance Company, you can read this introduction: Is Harmony Health Insurance Reliable? Is the product good?