Generally speaking, part of the premium we pay to the insurance company every year is used to pay the risk cost of medical insurance, and the other part will be put into the personal universal account to accumulate interest.
The premium of tax-excellent health insurance is 2400 yuan per year. At my age, around 500 yuan is used to buy medical insurance, and 1900 is deposited into my universal account.
What's the use of the money in the universal account? It is limited to buying other commercial insurance or paying various medical expenses after retirement, and it can't be used before retirement, and it can't be withdrawn.
In other words, the guarantee cost of tax-excellent health insurance may only be 500 yuan, but it will occupy my cash flow of 2400 yuan every year.
The annual premium of 2400 yuan can be used to plan all-round three-dimensional protection for yourself until retirement, including medical care, life insurance, accidents, serious illness and so on. And it's not cost-effective to buy a medical insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.