卡里有钱，保险公司为何迟迟不扣费

Core Viewpoint - The article highlights the issues faced by customers of Harmony Health regarding premium payment failures for critical illness insurance, leading to concerns about policy validity and customer dissatisfaction [2][3]. Group 1: Customer Experience - Multiple customers, including a case study of Ms. Sun, reported that their premiums were not deducted despite funds being available, causing confusion and frustration [3][4]. - A group of nearly 150 affected customers formed on social media to discuss their experiences, with many fearing their policies would lapse after the grace period [3][4]. - Ms. Sun's policy was deemed "invalid" on September 1, 2025, after the premium was not deducted, prompting her to seek resolution through various channels [5]. Group 2: Company Response - Harmony Health attributed the premium deduction failures to a system upgrade, assuring that all affected customers' issues were resolved by September 12, 2025, without affecting their coverage rights [7]. - Customers were required to sign a document affirming no misleading sales occurred and agreeing not to complain to regulators for a full refund to continue their payments [7]. Group 3: Company Background and Financials - Harmony Health has experienced rapid growth since its acquisition by Dalian Fookia Group in 2019, with significant increases in premium income and total assets [8]. - The company reported new single premium income of 748.18 billion yuan in 2022 and 507.13 billion yuan in 2023, with total assets reaching 4,520.5 billion yuan [8]. - However, since the takeover of Anbang Insurance Group in 2018, there has been a lack of transparency in core financial disclosures [9]. Group 4: Regulatory Issues - In 2025, Harmony Health faced regulatory penalties for providing false reports and misusing insurance intermediary services [10]. - The company announced plans to reduce its stake by up to 3% in the next three months, citing operational needs [10].