Objective: It discusses the renewal of inclusive supplementary medical insurance and its influencing factors from the perspective of individual behavior. Methods: Survey data of 17229 enrollees was used，and the influencing factors of renewing insurance were discussed based on the Anderson model. Results: The results showed that 81.44 %of respondents were willing to renew their insurance. The perception of services and whether to obtain compensation are critical factors influencing the intention to renew insurance. Conclusion: It argues that the perception of the service is the core factor affecting the choice to continue the inclusive supplementary medical insurance. It is urgent to strengthen the supporting health service function. The inclusive supplementary medical insurance and the traditional commercial health insurance do not occupy each other. It forms a clear connection between basic medical insurance and private health insurance and jointly serves the perfection of the multi-level medical security system.