Hello, health insurance is better. If you have enough money, I suggest buying one, which is a guarantee for yourself and your family. There are many things in a person's life that are unclear. With security, you are responsible for your family. No one wants to get sick, let alone have a serious illness, but no one can say that he will not have a serious illness. So, if you have enough money, I suggest you buy one. You don't have to worry about the insurance company quitting halfway. The insurance contract you signed is aimed at the insurance company. If the insurer quits midway, someone else in the insurance company will take over and provide follow-up services. Moreover, unlike ordinary companies, insurance companies have regulatory authorities (CBRC and CIRC) and are usually not allowed to close down. Buying insurance, the most important thing is to protect the function. If you pay special attention to dividends, it is not very cost-effective. The dividend mentioned by the insurer is usually estimated. Please don't believe it too much (dividends are linked to the profits of insurance companies and cannot be calculated in advance). If you don't get sick, you won't lose much, but there are many things in life that you can't predict, such as illness and accidental injury. At this time, the protection function of buying insurance will help you. Once you get a particularly serious disease, accidental injury, etc. Insurance can help yourself and your family, and it won't make life difficult for yourself or your family, and there is no way to deal with it. I hope you can understand the above answers, thank you!
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.