Jiangsu Medical Bao Hui is an inclusive commercial supplementary medical insurance. The insured can choose whether to participate in the insurance according to their own needs and support the termination of the contract (surrender). It should be noted that after the insurance contract comes into effect, those who use the medical insurance account do not support the termination of the contract (surrender), while those who do not use the medical insurance account can apply for the termination of the contract (surrender) and refund the insurance money according to the unexpired insurance premium.