国内3大保险公司宣告破产，你的保单怎么办？揭秘背后的保障机制

Core Viewpoint - The article discusses the implications of insurance company bankruptcies in China, highlighting the increasing acceptance of commercial insurance among residents, particularly the elderly, and the mechanisms in place to protect policyholders in the event of an insurance company's failure [2][4][7]. Group 1: Insurance Market Overview - A significant portion of the population, 40.74%, has purchased commercial insurance, with 34.16% participating in both social insurance and commercial insurance [2]. - The elderly demographic shows a notable increase in insurance uptake, with 1.07 billion individuals aged 60 and above holding commercial insurance policies, resulting in a penetration rate of 41% [2]. - The total number of insurance policies held by the elderly is 226 million, accounting for 11% of all insurance policies in the industry [2]. Group 2: Bankruptcy of Insurance Companies - Three major insurance companies have declared bankruptcy: Anbang, Guoxin, and Dongfang Life, with one company having a scale of up to 2 trillion [7]. - The primary reasons for these bankruptcies include investment failures, poor underwriting practices, and non-compliance with regulatory requirements [9][10]. Group 3: Insurance Guarantee Fund - The Insurance Guarantee Fund, established in 2008, is designed to provide relief to policyholders in the event of an insurance company's bankruptcy or severe financial crisis [14]. - The fund has grown from 14.9 billion to 182.998 billion by the end of last year, ensuring that policyholders are protected even if their insurance company fails [16]. - The fund can be accessed under specific circumstances, such as when an insurance company is legally dissolved or poses a significant risk to public interest and financial stability [19]. Group 4: Post-Bankruptcy Procedures - If an insurance company goes bankrupt, policies may be transferred to another willing insurance company, or regulators may appoint a new company to take over [21]. - The Insurance Guarantee Fund can provide up to 90% of the rescue funds to the new company, ensuring that policyholders' rights are maintained [21]. - For different types of insurance, such as short-term health or property insurance, the compensation process may vary, with the fund covering losses up to 50,000 fully and 90% for amounts exceeding that [22].