Correct description of policy invalidation

Hello, according to your description, it is important that the policy is currently invalid, which means that the policy is invalid because it was not paid in full and on time at the time of renewal. Half of the premium you mentioned before should be the first premium. This has little to do with the current situation.

According to your description, the result of my sorting is that your policy is insured, you pay half the premium yourself, and the business staff pays half the premium in advance. The policy takes effect, but the renewal premium is not paid in time, and the policy is invalid. The invalidation of the policy is the key problem that the insured can't get the claim.

According to the legal obligation of insurance contract, there is an applicant and an insurer (insurance company). The insurer's obligation is to pay compensation when the insured is in danger. The only obligation of the insured is to pay the fees in time every year to ensure the validity of the contract.

At present, the invalidation of the policy means that you have not paid the fee in time, and the insured needs to bear the consequences.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.