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].

前前后后折腾了近半个月后，孙女士终于完成了保费扣款。 "此前，自己往银行卡里转了钱，保费却未被划扣，实在难以理解"，2025年9月18日，孙女士向经济观 察报记者感慨道。 9月1日，她的保单被系统判定为"失效"。孙女士也开启了主动找保险公司划扣保费的"缴费"之旅。 孙女士称，她拨打和谐健康的全国服务热线，得到的答复是"记录并反馈给分公司"，此后便是无期限地 等待。9月11日，她赶往和谐健康的北京线下柜面，却被工作人员拒绝：因保单属地在黑龙江，北京柜 面不能处理；现金不收，理由是系统升级。 在向监管机构投诉后，孙女士的保费通过内部"特事特办"，终于在2025年9月12日被扣转。不过，和谐 健康没有向她解释"未扣费"的具体原因。 一位接近和谐健康的人士表示，此前受系统升级影响，确实有部分客户遇到续期保费划扣失败的情况。 截至2025年9月12日，受影响客户的续期缴费问题已全部处理完毕，且不会因此重新计算等待期，保障 权益不受任何影响。此前保费主要通过银行系统自动划扣，目前客户也可以直接通过和谐健康的官方 App（移动应用程序）自主完成缴费操作。 记者了解到，部分投保人被要求签署《产品扣费异常服务沟通信息表》，承诺 ...

前前后后折腾了近半个月后，孙女士终于完成了保费扣款。 "此前，自己往银行卡里转了钱，保费却未被划扣，实在难以理解"，2025年9月18日，孙女士向经济观察报记者感慨道。 孙女士的经历并非个例。2025年8月下旬至9月中旬，多名和谐健康保险股份有限公司（下称"和谐健康"）的重疾险客户遭遇了保费未划转的困惑。社交媒体 平台上出现了吐槽和谐健康重疾险产品的声音——"扣费日分文未动""客服电话无人解决"。不少人担心保单过了宽限期后会彻底失效，而自己已经错过了配 置重疾险的窗口期。 在孙女士所在的小红书平台的维权群中，有近150人，其中大部分均遭遇了重疾险产品扣费异常，部分因超过宽限期而显示保单"失效"。经济观察报记者了 解到，此次扣费异常主要涉及中介渠道销售的和谐健康重疾险产品。 尽管在维权群里关于退保还是续费的讨论还在继续，孙女士还是决定为这张已经缴了5年保费的保单续费。 据孙女士介绍，她在2020年7月底购买了和谐健康旗下的"福乐保"重疾险产品，每年缴费2256元，缴期30年。2025年8月28日，即在2个月宽限期内，她将保 费存入扣费银行卡，但发现和谐健康迟迟未划扣保费。 （移动应用程序）自主完成缴费操作。 记 ...