If you don't think you will get seriously ill in 20 years or your whole life, it's definitely not worth it.
3. There is a story that my sister-in-law bought a critical illness insurance for my brother, and she felt it was not worth persuading her to return it. Two years later, my brother was seriously ill, and the treatment cost 200 thousand yuan, and my sister treated my brother for 3000 yuan. Since then, my sister-in-law and sister broke up!