No matter which company's insurance is, it is completely credible from the contractual point of view, because every product is supervised by the CIRC. If there is a contractual responsibility, the insurance company must compensate according to the standard. What you did is not credible. In fact, the salesman exaggerated the scope of responsibility in the sales process, or promised you high benefits outside the contract. Therefore, when buying insurance, you must not listen to the salesman's confusion, but judge what you need to buy and how much to buy according to your actual situation.
Insurance has many optional responsibilities. You should think clearly about your risk and ability to pay before choosing insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.