保費599元3年後結婚可領萬元禮金 專屬結婚險遭質疑

An insurance product that costs 599 yuan and guarantees a payout of 10,000 yuan if the applicant marries his or her current sweetheart in three to 10 years became a hot topic recently.

一份價值599元的保險產品，如果申請人在3至10年的時間內和他/她目前的戀人結婚的話，那麼就可帶來10,000元的回報。這件事成爲了最近的熱議話題。

The applicants are required to submit nonmarital status certificates for both prospective spouses when purchasing the product.

當購買此保險產品時，申請人要提交未婚狀態證書及其潛在配偶。

A woman surnamed Wang who works in the customer service department of China Taiping Insurance Holdings Co said there have been numerous phone calls lately inquiring about the product, but she declined to say how many policies have been sold.

一名在中國太平保險控股有限公司客戶服務部門工作的王姓女子表示，最近有很多電話打來詢問這款保險產品，但她拒絕透露已有多少人購買了此保險。

"The price is no different from a regular gift I'd give to a girlfriend, but it may make the girl feel that it's a serious promise," said Xu Haoyou, a 26-year-old white-collar worker in Shanghai.

一名名叫徐豪友的26歲上海白領說道：“這款保險產品的價格同我給女朋友買過的禮物價格沒多大差別，但它可能讓女孩覺得這是一個嚴肅的承諾。”

Some said that the companies can't lose on the deal because the majority of sweethearts will break up.

一些人表示，該公司在這筆交易中不會虧本，因爲大多數情侶最終會分手。

"The insurance company is using big data to tell us that less than 5.5 per cent of the sweethearts will finally become husband and wife," said a Sina Weibo user going by the name "From south to north".

一位名爲“從南到北”的新浪微博用戶表示：“保險公司利用大數據告訴我們，只有不到5.5%的情侶最終將成爲丈夫和妻子。”

"For those who have just fallen in love, it may take three years before they tie the knot, but there are abundant variables that influence a relationship in three years. For those who are in a stable relationship, they won't wait three years before getting married," said Cai Mengsha, a 29-year-old Shanghai native.

29歲的上海本地人蔡夢莎說道：“對於那些剛剛墜入愛河的人來說，也許需要花費三年時間才結婚，但是在這三年裏會有很多變數來影響他們的關係；而對於那些有穩定關係的情侶來說，他們將不會等上三年再結婚。”

Some people joked on the internet that they want a disguised spouse to win the money. There are serious buyers, however, including Li Qiumeng in Chongqing, whose boyfriend will soon go to California for two years of graduate studies.

有些人在網上開玩笑稱，他們希望有一個假的配偶來獲得這筆錢。然而，還是有對此比較嚴肅的買家，比如重慶的李秋夢，她的男朋友不久將要去美國的加利福尼亞讀兩年的研究生。

"No matter that the insurance finally turned out to be a lesson or reward, it shows our determination for love now," said Li, 26.

26歲的李秋夢說道：“無論這個保險最終是成爲一個教訓還是一個回報，它都表明我們現在是爲愛做出的決定。”