The first question is that the insurance company entrusts the bank to sell insurance products, or it may be the insurance exhaled by the telephone sales center of the insurance company that has a cooperative relationship with the bank. This is insurance on the right track, you don't have to worry.
The second question is, can medical treatment and accidents be reimbursed? Generally speaking, it is impossible to reimburse all medical visits. If accidents lead to death and disability, compensation or compensation can be made. It depends on the insurance liability in the policy, what kind of diseases are included in medical care, whether it is critical illness insurance or health insurance, and different types of coverage are different. Judging from the monthly 450 yuan premium you mentioned, it should only be major illness insurance plus accident insurance.
The third question, can I return it after it expires? Yes As long as it is a savings insurance, it will be returned at maturity, but the amount returned is different. However, the disadvantage of savings insurance is that the protection is low, and the premium will be returned to you in the future, so the amount used for pure protection will be less, and if there is an accident, the compensation will be less.
The fourth question, what if I don't want to do it? After sending the bill, you should carefully look at the insurance liability, whether it is suitable for your own situation and whether it is worth insuring. If you feel no problem, you can still choose an insurance, and insurance will become more and more popular in the future. If you think it is really not suitable for you, then don't sign an insurance contract (or apply for an insurance policy). As long as you don't sign, the contract won't come into effect. I won't deduct your money.
Fifth question, will the deducted money be returned to you? I will. Actually, the money was not deducted. Pre-authorization only freezes the money. The merchant freezes a part of the funds before the cardholder's consumption. After the cardholder signs, the merchant can formally deduct this part of the funds. For example, if you go to a hotel, first tell the hotel how many days you will stay, and the hotel will freeze the expenses needed for these days from your credit card. After you check out, the hotel will use your card for pre-authorization, so that the actual consumption amount will be deducted from your card and the hotel will receive the money. The reason for this is to ensure that the money in the cardholder's credit card is enough for current consumption. As long as you don't sign an insurance contract, the money will still be on your card when it expires and can't be deducted.
Finally, as long as the contract is not signed, there will be no problem of surrender, which means that this matter has never happened and will not cause any losses. However, since everyone needs insurance, buy the right insurance. If you have never configured any insurance, I suggest you know a little about the relevant knowledge, take advantage of your young age and low premium, and configure appropriate insurance for yourself to deal with risks, and you are not prepared for the future.
If it helps you, please adopt it, thank you! Happy life!