According to Cai Xi's survey. Com, medical insurance C 1 insurance can't get the money after 20 years, but can only get back the cash value of the current policy. It is a consumer critical illness insurance product launched by Xinhua Life Insurance, with a payment period of 20 years and a lifetime guarantee period, which provides protection for mild illness, serious illness, specific diseases and death. The insured does not get sick after the payment expires.