Companies don't cheat because they don't have a long mouth. Only people cheat.
In addition, look at the cash value of your insurance policy. The cash value of the corresponding year is the money you can get when you surrender now.
PICC Health is a subsidiary of People's Insurance Group Company and a regular company. You can search PICC PICC, which was founded in 1949.
You can also call the customer service hotline for complaints. The telephone number is on the insurance policy.
When handling any business in the future, you should keep your eyes open and read the terms clearly. If the staff is misleading, the staff is wrong, but you are also wrong.
Because it is in black and white, you signed the terms and read them.
I suggest you don't get angry in a hurry, or you just need to wait a few more years to get it.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.