For a one-year insurance contract, the insurance company only bears the insurance liability for the health risks of the insured for one year, and the end of the one-year insurance period means the termination of the insurer's liability. If the applicant is willing to continue to perform the insurance contract, the consent of the insurance company is needed. The so-called renewal is actually the act of keeping the policy valid by continuing to sign insurance contracts. In nature, continuing to sign a contract after the expiration of the contract can also be understood as the establishment of a new insurance contract, so the insured still has to fulfill the obligation of telling the truth. Article 21 of the Insurance Law stipulates: "The applicant, the insured or the beneficiary shall notify the insurer in time after knowing the occurrence of the insured accident ...". At present, in the practice of insurance renewal, insurance companies are used to simplifying the question before renewal to whether the insured is out of danger in the latest policy year. If the health status of the insured changes before the renewal, it is different from the risk level when the insurance contract was originally concluded. At this point, the insurance company needs to re-evaluate its health status before it can make an underwriting decision that conforms to the actual situation. This is the true expression of both parties. Insurance companies should improve the content of short-term health insurance renewal contracts, and at the same time require the insured to fulfill the obligation of truthful disclosure, otherwise such disputes will increase year by year. As the dispute over the renewal of short-term health insurance is a common problem in recent years, there is no relevant law in China to clarify the legal relationship of this issue, and there is little discussion and research on this issue in the industry, which has laid a hidden danger for the renewal work.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.