Hello! The biggest difference between refundable health insurance and consumer health insurance is whether it has the function of premium refund. Among them, consumer health insurance can obtain high protection with low premium and provide real health protection. After the insurance expires, the insurance company will no longer return the premium paid, which is equivalent to the premium being consumed. The biggest advantage of surrender-type health insurance is that both health protection and premium return are taken into account, that is, while providing continuous health protection for the insured, if the insured has no health accident after the insurance expires, the insurance company can also return the premium it has paid. Its advantage lies in the long guarantee period, taking into account the two functions of saving capital preservation and risk protection, but its disadvantage is that the premium is high and it is suitable for people with a certain economic foundation to buy.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.