I think there is no problem. Alipay only provides a purchasing platform, and the insurance contract is still signed with the insurance company. When settling a claim, you can go directly to the insurance company. The platform only provides an additional intermediary service. Even if the platform disappears in the future, the insurance contract will remain intact. Not affected in any way.

The insurance contract is a legal contract, signed between the policy holder and the insurance company. As long as there is no problem with the product itself, no matter which platform you buy it from, claims will be settled according to the terms of the contract.

Insurance contracts are different from ordinary commodities. If you buy a Haier TV in a supermarket, and the supermarket disappears in the future, you can still find Haier’s after-sales service. But if Haier disappears, then you can only sell this product yourself. Take charge. But insurance contracts are different. Even if the insurance company disappears, your insurance contract will be taken over by other designated insurance companies and will continue to protect you.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance