Insurance is better than nothing. Agency channel is better than telephone channel, and telephone channel is better than bank.
That's it. I don't know much about this product of Haikang Life Insurance. Judging from the name, it should be paid for more than ten or twenty years, and when it is guaranteed for several decades, the full amount can be paid. There may be dividend-paying products. This is the mainstream of health insurance.
But I advise you not to buy health insurance. Health insurance should be bought for life, because the incidence of serious illness is more and more balanced now, but the incidence of old age is still very likely. No, that's not necessary.
I wish you a proper protection plan and a happy life.