有个朋友买平安e生保百万医疗险，条款明明说的不保证续保，业务员却说保证续保，到底是怎么理解？
根据短期健康险新规，当前市场上百万医疗险有两种形式：
1、短期健康险，也就是一年期产品，续保每年审核，不允许用连续投保、承诺续保条款，明确写明不保证续保。
2、长期健康险，续保带有保证续保条款。通常保证续保3年、五年、六年、十年、十五年、二十年。保证续保是指保证不针对个人额外涨价、保证不会因为理赔拒绝续保、保证不会因为停售拒绝续保，简单说就是保证期内，即使发生理赔，即使产品停售，都会给你续保。
毫无疑问：保证续保更可靠。
那么短期健康险还有必要买吗？
1、看个人健康情况，有的百万医疗险核保严，续保每年审核的健康告知可能稍宽松
2、最核心的是续保审核传统。过去买了的人发生大病，报销以后，第二年到底有没有成功续保，这个一般人无从知晓。
续保审核，无非是审核两点：一是有没有带病投保未如实告知；二是看理赔金额。有的公司只要未隐瞒病史，理赔金额没有超过内部划定的线就还是能续保。
但是也有的公司真的严重疾病，第二年就以不符合续保要求为由拒绝续保。
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