Health 100% A is critical illness insurance, with minor illness exemption and lifelong protection. Because we don't know the details when your husband bought this insurance, let's assume that your husband bought himself a copy of Health 100% A with a coverage of 654.38+ 10,000 yuan for 20 years, with an annual premium of 3,580 yuan and a 20-year premium of 765.438+0,600 yuan. If you are unfortunately suffering from one of the 70 serious diseases agreed in the contract, you will receive compensation of 654.38 million yuan and the contract will be terminated. Suffering from one of the 30 kinds of mild diseases agreed in the contract, get 30,000 compensation. For mild diseases, there are three different opportunities to get compensation. The contract lasts until death or serious illness, and the contract is terminated; If you are healthy all your life and die in the end, you will also receive compensation of 6.5438 million yuan and the contract will be terminated; If you feel that you don't need this protection at the age of 80, you can choose to surrender. At the age of 80, the cash value of the contract is 80040 yuan, which means that you can get a refund of 80040 yuan when you surrender at the age of 80, which is 8440 more interest than your premium, and the contract is terminated. However, Health 100% A has no provision for returning the principal at the age of 80, so what you said about returning the principal at the age of 80 should be accident insurance. Regarding your accident insurance, it is not convenient to help you analyze it because you are not sure what kind your husband bought. Everything depends on the insurance contract. If the insurance contract stipulates that the principal will be returned at the age of 80, Taikang will return it, which is protected by contract law and insurance law. You can rest assured.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.