After the payment grace period, the contract was not terminated, but was temporarily suspended. Insurance companies will not pay for insurance accidents that occur during the suspension of classes. As long as you apply for reinstatement within two years and make up the premium after approval, the policy is still valid, but the observation period of health insurance is recalculated. In other words, you can now apply for reinstatement and pay the premium.
If you don't apply for reinstatement within two years, the policy will be invalid and the contract will be terminated after two years. At this time, you can only surrender. Need to apply for surrender, bring your ID card and bank card.
Whether it is reinstatement or surrender, you can ask your account manager to do it for you. You don't have to do it yourself.
I don't know much about your details. I wonder if I can help you.