No. China Ping An Life Insurance Company of China Insurance Company Cai Ying Baby is a refundable critical illness insurance, which is a regular product. The clause consists of two kinds of all risks and critical illness insurance, covering additional compensation protection for serious illness, mild illness and specific diseases. After the expiration of the death period, a certain percentage of the premium paid can be refunded. This product is not a liar. The biggest highlight is that the serious illness was diagnosed 10 years before the policy, and the basic insurance amount of 150% can be paid. The guarantee period of safe Cai Ying baby can be guaranteed to be 30 or 80 years old. The length of the guarantee period can be flexibly decided according to individual needs.