It is a reserve fund specially drawn from the year-end balance in order to have enough ability to deal with the huge claims that may occur. To put it bluntly, every time an insurance company receives a premium, it will put a certain percentage of the money into a bank account in China or other bank accounts designated by the insurance protection fund. If the once-in-a-century disaster requires huge compensation, and the money prepared by the insurance company is not enough, the money from the insurance protection fund can be used.