There are two situations to pay attention to: in the first case, the insured has been safe and healthy for 20 years after being insured. You can check the cash value of the policy to see how much principal you can get back when you surrender, and whether the policy value exceeds the premium paid, so as to confirm whether to "return the principal".
1, check your insurance contract. Generally, there will be a "cash value table" before the text of the contract terms. The cash value of each insurance year is the money you can get back when you surrender that year. By comparing the cash value of each insurance year with the premium you have paid so far, you can know whether the value of your policy has been paid off (that is, whether it exceeds the premium you have paid).
2. Pay attention to the official micro signal or call customer service. After registering your own information and associating with the policy, you can check the cash value of the policy online and judge whether to "refund the money".
In the second case, within 20 years after the insurance, the insured has a contract (minor illness, serious illness or death) and the insurance claim has been paid to the insured or beneficiary. You can compare the claim with the insurance premium paid. In most cases, if you are in danger during the payment period, the claim will be greater than the premium paid.
What needs to be added is that, as a critical illness insurance with death liability, to a great extent, the insurance company's future liability to the insured has been determined (no exemption clause will be triggered), because people may not get sick, but they will die one day, so as long as they hold the policy normally, there will be no situation that they cannot refund their money.
Finally, the liability of critical illness insurance of new china life insurance co Co., Ltd. for minor and serious illness is a single payment, and the guarantee responsibility needs to be improved. It is suggested that you can contact a professional insurance broker to check and sort out the policy according to your own situation and improve the protection in time.