If the insured dies unexpectedly during the insurance period after insurance, can the premium or compensation be refunded?

This product is a one-year medical expense reimbursement insurance. During the insurance period, the insured needs to go to the hospital for treatment due to accidental injury. The hospitalization expenses that meet the requirements of the insurance contract can be paid under the general medical insurance, but the death insurance money does not belong to the insurance responsibility of the product. If the insured dies, the validity of this contract will be terminated immediately, and the premium paid will not be refunded.