Is it because 3% will be deducted from the five-year national harmonious health insurance in the first year?

Hello! After the five-year term of Harmony and Health expires, the guarantee will expire naturally, and there is no need to go through additional surrender procedures. However, if it is a return insurance with the guarantee of survival money due, after its expiration, if the insured still lives safely, he can still return a sum of insurance money, which can be the paid premium or the basic insurance amount, depending on how the insurance contract stipulates.

However, if it is consumer insurance, the insurance company will not refund any fees regardless of whether there is any danger during the protection period.

If you want to know how to surrender your insurance, you can click Appointment 1 to provide insurance planning service for 1. Deep Blue Insurance _ Centralized Insurance Broker will provide you with professional advice, or you can scan the QR code below for consultation.