The Insurance Law stipulates that an insurance company and its staff shall not refuse to perform the obligation of compensation or payment of insurance benefits stipulated in the insurance contract according to law in insurance business activities, otherwise, the insurance beneficiary may complain to the China Insurance Regulatory Commission and its established Insurance Regulatory Bureau, and the insurance supervision and administration institution shall order the insurance company to make corrections and impose a fine of 50,000 yuan to 300,000 yuan. If the circumstances are serious, the business scope of the insurance company may also be restricted, and it may be ordered to stop accepting new business or revoke its business license.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.