I also bought it, and it’s not bad. It’s an insurance for accidents and accidental medical treatment. Colds and fevers are diseases and are not covered by the insurance. But if you sprain your foot or fall, If you go to the outpatient clinic of a public hospital to get medicine, you can apply for these. In addition, if you are hospitalized, you will get a hospitalization allowance of 100 yuan per day. This is paid separately. I sprained my foot last year and went to the hospital. I was reimbursed even if I took Yunnan Baiyao.