There is no reason for the hotel to cancel the insurance just because it is closed. Can I return it?

The "no reason to surrender" introduced by Ctrip and Ping An Insurance Company means that after the insured successfully booked Ctrip's vacation itinerary and paid the expenses, if the surrender causes the loss of the insured's advance payment, the insured will get the highest compensation of 10000 yuan, 80% of the actual loss due to his own reasons and 100% of the actual loss due to his own reasons.