案情:2007年1月12日,陈某购买了某保险公司推出的个人住院医疗保险产品。双方约定保险合同于1月23日生效,期限一年,每年在合同期满前或在合同约定的宽限期后30日内续交保费。保险公司承诺在投保人连续交纳三年保险费后,投保人可向保险公司申请保证续保。合同进入保证续 Case: January 12, 2007, Chen bought a personal insurance company launched in-patient medical insurance products. Both parties agree that the insurance contract will come into effect on January 23, with a term of one year. The premium shall be refunded each year before the expiration of the contract or within 30 days after the grace period stipulated in the contract. After the insurance company promised to pay the insured for three years in succession, the insured can apply to the insurance company to renew the insurance. Contract entered the guarantee continued