Is the "Health Companion E-care Disease Protection Plan (Version 20 18)" a consumption type or a return type?

Health and E-Care Disease Protection Plan (Version 20 18) is a consumer-based critical illness insurance. If the insured's insurance period is non-life insurance, and there is no serious illness or death guaranteed by the contract during the insurance period, the premium will not be returned at the expiration of the insurance period. If you have been insured for life without serious illness, you will pay the death insurance premium according to the greater of the premium paid and the cash value of the policy when you die. If you want to buy "return" critical illness insurance, you can learn about "Pratt & Whitney 100% Critical Illness Insurance Protection Plan" of Sunshine Insurance official website.