The present disclosure provides a chip packaging method and a chip structure. The chip packaging method comprises: providing a wafer, and forming a protective layer on a wafer active surface of the wafer; cutting and separating the wafer to form a die; providing a metal structure, the metal structure including at least one metal unit; adhering the die and the metal structure onto a carrier; and forming a molding layer. The chip structure comprises: at least one die; a protective layer; a metal unit, the metal unit including at least one metal feature; and a molding layer, encapsulating the at least one die and the metal unit, and the chip structure is connected with an external circuit through the at least one metal feature. By adopting a plurality of metal features of the metal unit, the present disclosure achieves improved packaging performance brought by different metal features; and the wafer active surface is provided with the protective layer in the present disclosure, so that a step of applying an insulating layer after the formation of the molding layer is omitted.