Although consumer health insurance can't provide substantial premium return protection for the insured when he is free from illness, it has the advantages of affordable premium and comprehensive protection. Even if there is no claim in the last year, he will get preferential premium in the later period. Therefore, the highlight of consumer health insurance is to provide more opportunities for people with relatively average economic strength to enjoy health protection.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.