What if the medical insurance is not renewed?

Hello! You said you bought Hongxiang, a regular product. If there is medical insurance, it means that Hongxiang has serious illness on a regular basis, which means that if there is a serious illness during the insurance contract period, the insurance company will pay according to the amount of serious illness insurance. If there is no additional insurance, you can get the main insurance amount after the payment period, plus the accumulated bonus. It is equivalent to putting money in the bank and taking away the principal and interest at maturity. You said you didn't want to hand it in this year. I want to give you a suggestion. If it is not for economic reasons, it is better to pay, because no matter whether it is surrender or invalid, it will lose money, and surrender will not get all the principal. When the policy expires, if there is any risk during the expiration period, it will not be settled. In addition, the grace period is to ensure that the premium will be collected within 60 days from the corresponding month when the policy takes effect, and the policy is deemed to remain valid, otherwise the policy will automatically become invalid. If it needs to be reinstated, the guarantee will be considered as a new policy that needs to be reviewed, so if you have time, hand it in early or let the company service personnel act as an agent. Also, in fact, it is the obligation of the insured to pay the insurance premium in time, which was determined when the insurance policy was concluded. So, don't worry, the insurance policy is also a part of the assets, and you need to take time to take care of it, otherwise the loss will be unclear. Having said that, it's up to you in the end. I wish you peace and health!