The premium insurance company failed to transfer money.

It is not the insurance company that finds the balance in your card, but the insurance company applies to the bank for transfer according to the transfer agreement you signed. If the balance is insufficient, the account will naturally become invalid. After the account fails, you will naturally be informed to save money in time. If you really want to buy insurance, you will definitely save enough money.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.