Can Taikang critical illness insurance get its principal back after 20 years?

Whether Taikang Life's critical illness insurance can return the principal after 20 years needs specific analysis. According to Taikang critical illness insurance-Taikang Health 100% D, for example, a 30-year-old man bought 300,000 insurance and paid it in 20 years. If the principal needs to be withdrawn in the 20th year, the cash value that the insured can get is 1 16370. This is a loss relative to the principal, so it is not cost-effective, so it is best to wait until the expiration of the fixed number of years.

However, if the insurance company makes mistakes, such as the insured sells under the guidance of the insurance salesman, or the phone does not follow up after signing, you can apply for a refund of the principal in these cases.

Is Taikang Life Insurance a state-owned enterprise?

Taikang Life Insurance is not a state-owned enterprise, but a private insurance company approved by the State Council and China Insurance Regulatory Commission. Is an insurance company invested by a private enterprise. At present, there are only four state-owned insurance companies in China: China Life Insurance, PICC, Taiping and China Export Credit Insurance Corporation.

Taikang Life Insurance is a subsidiary of Taikang Insurance Group Co., Ltd. It is a national joint-stock life insurance company approved by the head office of China People's Bank 1996. Taikang Life Insurance's business scope: life insurance, health management, asset management, medical pension, internet property insurance, enterprise annuity, commercial real estate and other fields.