保险都是坑人的？我国有3家保险公司已经宣布倒闭，还有接着买的必要吗？

Core Viewpoint - The insurance industry is facing challenges with some companies experiencing operational difficulties, but overall consumer protection mechanisms are in place to safeguard policyholders' interests [1][3][4]. Group 1: Industry Challenges - Several insurance companies have encountered operational issues, leading to takeovers or restructuring, which has raised consumer concerns about the safety of their policies [1][3]. - Anbang Insurance Group was notably taken over in 2018 due to illegal operations, but policyholders' rights were protected during the restructuring process [1][3]. Group 2: Consumer Protection Mechanisms - During Anbang's takeover, policyholders' policies remained valid, and claims were processed normally, indicating that regulatory measures effectively protect consumer rights [3]. - China's insurance regulatory framework includes multiple protective measures such as the insurance guarantee fund, solvency supervision, and risk disposal mechanisms, ensuring consumer interests are safeguarded even if a company fails [3][4]. Group 3: Industry Stability - The overall operational status of China's insurance industry is stable, with an average solvency adequacy ratio exceeding 190% as of Q3 2024, significantly above the regulatory requirement of 100% [4]. - Insurance companies are increasingly focusing on risk management and improving internal controls, which helps reduce operational risks and protect consumer interests [4]. Group 4: Regulatory Environment - Regulatory requirements for insurance companies are becoming stricter, covering solvency, corporate governance, and product oversight, which may increase compliance costs but will benefit the industry's long-term health [5][8]. - The regulatory body is enhancing the insurance governance structure, requiring companies to establish more scientific decision-making and risk management systems [8]. Group 5: Consumer Considerations - Consumers are advised to be cautious when selecting insurance companies, focusing on solvency ratios, company reputation, and market position to mitigate risks [5][7]. - Diversifying insurance purchases across multiple companies can help manage risk effectively, ensuring that overall coverage is not significantly impacted if one company faces difficulties [11]. Group 6: Industry Outlook - The demand for insurance is expected to grow as societal risks increase, and innovations in the industry, such as internet insurance and customized products, are enhancing consumer choice and experience [8][12]. - The long-term outlook for the insurance industry remains optimistic, with expectations of improved consumer rights protection and product quality due to stricter regulations and market competition [11][12].