Can I get a refund if I am refused a visa after purchasing Ping An European visa travel insurance?

First of all, the insured must apply for a non-immigrant visa to travel. Ping An Insurance stipulates that if the visa is refused by the visa agency, Ping An will pay the actually paid and non-refundable insurance premium for the visa fee as agreed. The insurance period refers to the period from the day after the insured successfully purchases insurance to the time when the insured starts to travel according to the scheduled itinerary. When the insured refuses to sign a visa, he can surrender the insurance in full before the insurance takes effect, and at this time, he cannot apply for refusal to claim compensation; After applying for claims, you cannot apply for surrender or change. (The deductible for each accident is RMB 100 yuan, and the compensation ratio for each accident is 100%).