投保人要申请复效需要补缴保费并履行如实告知义务等,因此很多投保人认为复效不如重新投保一份新合同合算。然而,无论从投保条件还是从保费来讲,使原合同复效都是比重新投保更优的选择。 If the policyholder needs to pay premiums and fulfill the obligation of truthful disclosure in order to apply for the reinstatement, many insured persons think the reinstatement is not as cost-effective as re-insuring a new contract. However, both from the insurance conditions or from the premium terms, the original contract is more effective than the re-insurance of a better choice.