3大保险公司已破产！但你的保单还安全吗？国家其实早有准备

Core Viewpoint - The recent bankruptcies of three insurance companies do not affect the validity of existing policies, as the government has established mechanisms to protect policyholders' rights and ensure continuity of coverage [1][2]. Group 1: Company Bankruptcies - Three insurance companies have officially exited the market: - Chubb Insurance Co. was approved for dissolution, with all its insurance business and liabilities transferred to Huatai Insurance, ensuring existing policies remain valid [1]. - Yi'an Property Insurance entered bankruptcy reorganization, continuing operations during the process and later rebranded as BYD Property Insurance, maintaining policy obligations [1]. - Anbang Insurance Group announced its dissolution, with all policies assumed by the People’s Insurance Group, ensuring full payment of 1.5 trillion yuan in short-term investment insurance without any defaults [2]. Group 2: National Safety Nets - The government has established two key mechanisms to safeguard policyholder interests: - Legal mandates require that life insurance policies must be transferred to another insurer in the event of a company’s dissolution, ensuring that policy responsibilities are maintained [4]. - A guarantee fund of 243.1 billion yuan is in place to support policyholders in case of insurance company failures, providing an additional layer of security [4]. Group 3: Compensation Rules - Different insurance types have specific compensation standards: - Life insurance policies are fully guaranteed, with the insurance guarantee fund providing financial support to the acquiring company, ensuring no claims are denied due to company issues [5]. - For property insurance, personal policies under 50,000 yuan are fully compensated, while those above receive 90% compensation; for businesses, policies under 500,000 yuan are fully compensated, and those above receive 80% [5]. - Investment-type insurance, such as Anbang's, is fully compensated by the acquiring company, with no defaults reported [5]. Group 4: Practical Advice - To ensure policy safety, individuals can take the following steps: - Check the policy status through official channels to confirm the operating status of the insurance company [6]. - Focus on the solvency ratio when purchasing insurance, ensuring it meets regulatory standards [6]. - Avoid relying solely on the reputation of large companies, as all insurers are subject to the same regulatory framework [6].