10-02-2026, 09:56 PM
壽險或健康保險公司清盤時：先核對正式通知及保單處理
收到壽險、年金或健康保險公司清盤消息時，先核對監管機關、接管人及保單正式通知，不要只按社交媒體消息取消付款。加州 CLHIGA 是依法成立的保證協會，並非州政府機關；可提供的保護受會員公司、產品、居住地及法定限額等條件限制。
官方問答說明，接管人一般會通知保戶如何處理理賠及保障安排。並非所有人都需要自行另交一份新申索，也不是所有僱主自行承擔風險的計劃或其他健康安排都屬協會範圍。
保留保單、通知及已付款紀錄，依正式指示確認下一步。保障持續期間仍可能需要繳交保費，擅自停付可令保障終止。本指南不列個別賠付上限或承諾全額保障；應以目前適用法律及該公司事件的官方說明核實。
查閱日期：2026-10-02。原刊日期未能確認。官方資料：https://www.califega.org/FAQ
English
When a life or health insurer fails: follow the official policy notices
If a life, annuity or health insurer enters insolvency proceedings, first verify the regulator's, receiver's and policy notices. Do not cancel payments solely because of a social-media report. CLHIGA is a statutory guaranty association, not a California state agency, and protection depends on factors such as the member insurer, product, residence and legal limits.
Its FAQ explains that the receiver generally provides instructions about claims and continuing coverage. A new claim form is not automatically required in every case. Self-funded employer arrangements and some other health products are outside the association's protection.
Keep the policy, notices and payment records and follow the official instructions for the particular insurer. Premiums may still be required while coverage continues; stopping them can end protection. This guide makes no promise of full reimbursement and does not quote a benefit cap.
Checked October 2, 2026. Original publication date not established. Official source: https://www.califega.org/FAQ
![[Image: legal.jpg]](https://inl3-media.pages.dev/assets/photos/legal.jpg)
Alena Darmel / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: California Life & Health Insurance Guarantee Association
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
收到壽險、年金或健康保險公司清盤消息時，先核對監管機關、接管人及保單正式通知，不要只按社交媒體消息取消付款。加州 CLHIGA 是依法成立的保證協會，並非州政府機關；可提供的保護受會員公司、產品、居住地及法定限額等條件限制。
官方問答說明，接管人一般會通知保戶如何處理理賠及保障安排。並非所有人都需要自行另交一份新申索，也不是所有僱主自行承擔風險的計劃或其他健康安排都屬協會範圍。
保留保單、通知及已付款紀錄，依正式指示確認下一步。保障持續期間仍可能需要繳交保費，擅自停付可令保障終止。本指南不列個別賠付上限或承諾全額保障；應以目前適用法律及該公司事件的官方說明核實。
查閱日期：2026-10-02。原刊日期未能確認。官方資料：https://www.califega.org/FAQ
English
When a life or health insurer fails: follow the official policy notices
If a life, annuity or health insurer enters insolvency proceedings, first verify the regulator's, receiver's and policy notices. Do not cancel payments solely because of a social-media report. CLHIGA is a statutory guaranty association, not a California state agency, and protection depends on factors such as the member insurer, product, residence and legal limits.
Its FAQ explains that the receiver generally provides instructions about claims and continuing coverage. A new claim form is not automatically required in every case. Self-funded employer arrangements and some other health products are outside the association's protection.
Keep the policy, notices and payment records and follow the official instructions for the particular insurer. Premiums may still be required while coverage continues; stopping them can end protection. This guide makes no promise of full reimbursement and does not quote a benefit cap.
Checked October 2, 2026. Original publication date not established. Official source: https://www.califega.org/FAQ
Alena Darmel / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
---
來源 / Source: California Life & Health Insurance Guarantee Association
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.