2. Short-term health insurance clauses need to clearly indicate that the insurance period expires and consumers need to re-insure.
3. Vague terms such as "automatic renewal, promise renewal" shall not be used.
Legal basis: Measures for the Administration of Health Insurance
Article 3 Health insurance is an important part of the national multi-level medical security system. Adhere to the nature of health insurance, encourage insurance companies to follow the principle of prudence and stability, continuously enrich health insurance products, improve health insurance services, expand health insurance coverage, reduce health insurance prices and operating costs through effective management and market competition, and improve the level of protection.
Article 4 Health insurance is divided into long-term health insurance and short-term health insurance according to the insurance period.
Long-term health insurance refers to health insurance whose insurance period exceeds one year or whose insurance period does not exceed one year, but which contains a guarantee renewal clause.
The insurance period of long-term care insurance shall not be less than 5 years.
Short-term health insurance refers to health insurance with an insurance period of one year or less and without a guarantee renewal clause.
The guarantee renewal clause refers to the contractual agreement that the insurance company must continue to underwrite the insurance according to the original clause and the agreed rate before the expiration of the previous insurance period.