Can't harmony and health be returned after five years' regular expiration?

When the five-year term insurance of Harmony and Health expires, the guarantee will naturally fail, and there is no need to go through additional surrender procedures. However, if the insurance is a return insurance and there is a guarantee of survival money due, if the insured is still alive, the insurance company may return a sum of insurance money, the specific amount depends on the insurance contract. This may be the return of a part of the premium paid, or the return of the basic insurance amount. However, if it is consumer insurance, the insurance company will not refund any fees regardless of whether there is an insurance accident during the protection period after the expiration.

It should be noted that the specific insurance contract terms and agreements may be different. Therefore, when buying insurance, you should read the terms of the contract carefully and consult the insurance company after the expiration of the guarantee period. If in doubt, you can consult a professional insurance agent or the customer service department of an insurance company to ensure that the understanding of the insurance contract is accurate.

Who can ensure a harmonious, healthy and happy life?

Harmony, health and happiness is a critical illness insurance, the first newly defined harmony, health and critical illness insurance, which is suitable for people who meet the insurance conditions.

First of all, the insured must be at least 28 days to 65 years old, with a wide age range, even including retirees. Secondly, as a critical illness insurance, the insured needs to tell his physical condition truthfully and pass the inspection before he can apply for insurance. This also means that this type of insurance has certain restrictions on the health of the insured. Thirdly, this insurance only covers people engaged in 1 4 industries, and high-risk occupations cannot be insured.

After insurance, the insured can enjoy lifelong disease protection, which covers a wide range, including but not limited to major diseases such as cancer, heart disease and stroke. In addition, the insurance also includes special provisions such as death protection and secondary compensation for cancer, which is more comprehensive.

Flexible insurance, low premium and good cost performance. This kind of insurance premium is relatively low, and the insurance method is relatively flexible. It can be insured online or at an insurance company or agency. Therefore, this type of insurance is a critical illness insurance product with high cost performance.