I am the client's father. I bought Fu You Shuangxin old-age insurance, and the insurance policy clearly states accident insurance including personal protection, additional medical insurance for Kangyou's worry-free hospitalization expenses, and additional Fu You Shuangxin's critical illness insurance. Huatai Insurance does not claim for sudden cardiac death, saying that it will only claim if it is killed by a car, and it will not claim for other cases. Please don't trust Huatai Life Insurance Company.