Yes, health insurance can be surrendered or not, and different products have different responsibilities. Refund-type health insurance actually has a certain saving function, including commercial health insurance whose life or death responsibility is to pay insurance money. Consumer health insurance we usually contact, such as medical insurance, is generally non-refundable; The health insurance that returns to the capital is generally long-term, with two-way insurance or life-long supplementary two-way insurance. For example, life-long critical illness insurance, if it has two full insurances, if serious illness has not occurred by the appointed time, you can get back the premium paid, but only if it is not out of danger before the appointed time.
At present, China's commercial health insurance can be divided into sickness insurance, medical insurance, nursing insurance and disability income loss insurance according to insurance liability. These four types of health insurance are based on agreed diseases, medical behaviors, nursing needs caused by daily living disabilities, and loss of work ability caused by diseases or accidental injuries.
Therefore, consumers can choose to return or not according to their own needs.