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What happened when the insurance money was deducted and no text message came?

I won't. If PICC sends you a text message, the number should be 955 18. If you really agree to buy insurance, the insurance company can't withdraw money directly from your card. So you don't have to worry at all. The liar wants you to buy insurance from him, because if you have any questions about this information, you can call him back and he will have a chance to let you buy insurance or cheat you.

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