Does the company have to sign a contract for the record to insure its employees?

The contract and terms are different. The contract contains insurance clauses, but there are many other agreements. As you can see, the terms do not include the insurance premium, but include the way to determine the insurance premium. )

For insurance companies, insurance clauses need to be approved and filed by the CIRC. But it's not in the contract Many parts of the contract can be modified according to the needs of the insurance company, but the terms in the contract can never be changed.

As far as you are concerned, it doesn't usually happen. I don't know why the insurance company asked for a new contract a few years ago. ...

Unless it is a group insurance, sometimes both parties will sign a new contract through consultation. There is usually no insurance. So you must ask why you want to sign a new contract, and what is the difference with the old contract.

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