According to the clauses of Xinhua Health Worry-Free Insurance, this type of insurance is a savings-type critical illness insurance with a lifetime guarantee period. The insured can only choose to surrender and get back the cash value of the contract if he is still alive after 20 years of payment and has no right to claim. However, if you want to receive part of the paid fees in advance, you need to wait until the insured dies or falls ill before you can carry out relevant operations and make claims according to the corresponding regulations.