In order to keep people healthy, I bought a health insurance and personal care insurance (universal). How much can I get back if I want to surrender for two years?

It depends on several aspects. One is how much premium was paid in the first year, and the other is how much risk insurance was insured in the first and second years. Your insurance premium has been stated. You paid 3000 yuan, but you didn't say how much insurance you covered. In the first year, the maximum insured amount is 60,000, so you should deduct 1500, and at least 1 10,000, which is about 2,500,20,500. In the second year, if it is 1 10,000, you should deduct 125, which will double it. Excluding this fee, it is basically a refund fee, and other fees are very small. That is to say, if you insure 1 10,000, you can refund about 5,600 yuan, and if you insure 60,000 yuan, you can only refund about 3,700 yuan.