Can the premium of critical illness insurance be refunded if there is no accident?

If there is no accident, whether the premium of critical illness insurance can be refunded depends on what type of critical illness insurance you buy. If it is consumer critical illness insurance, the premium will not be refunded if there is no danger. If you buy a return-type critical illness insurance, you can return the premium if you don't get out of danger.

What critical illness insurance is worth buying? I sorted it out in this article, and I need to take it myself: compared with the whole network of 186 critical illness insurance, which cost-effective products are worth buying?

Returned critical illness insurance refers to getting out of danger within the insurance period and getting claims according to the contract; If the insurance period expires or the insured reaches the agreed age without serious illness, the paid premium or cash value (generally whichever is greater) shall be returned, or the insurance money agreed in the contract shall be returned.

Returned critical illness insurance has the nature of saving and the function of returning at maturity. Compared with consumer products, the premium of returned critical illness insurance products is higher.

For us ordinary people, when purchasing critical illness insurance, it is recommended to choose consumer critical illness insurance, which is more comprehensive and cost-effective than returned critical illness insurance.

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