爲愛豆的戀情買保險？官方：這些險種不合法

日前，保監會發布風險提示稱，公衆人物“戀愛險”並非保險產品，不符合《保險法》規定，也不是由保險機構開發和銷售的。

China's insurance watchdog has come out against the "love insurance" products sold online in the country, labelling them as "fake" policies.
中國保險監管機構出面提醒大家不要購買網絡銷售的“戀愛險”產品，稱其爲“虛假的”保險產品。

Chinese mainland's many such quirky online insurance policy peddlers do not have the authorisation to sell these products.
中國大陸許多奇葩保險產品的銷售方並沒有獲得銷售此類產品的授權。

Customers who buy such policies might make a certain amount, usually several times their initial payment, if they successfully predict how long a couple will date.
如果能成功預測出一對戀人的戀情能維持多久，購買這種保險產品的客戶就能賺上一筆，一般能達到付款的數倍。

In a post on its website on Monday, the China Insurance Regulatory Commission named one such policy concerning popular Chinese teen idol Lu Han, whose announcement about a relationship led to a rare breakdown of the servers at social media platform Weibo.
中國保監會週一在其網站上發佈了風險提示，其中提到了“鹿晗戀愛險”。鹿晗是中國青少年的人氣偶像，他公佈戀情後，導致新浪微博宕機。

Tens of thousands of his heartbroken fans left messages expressing their disappointment over him not being available any more.
數萬名傷心的粉絲紛紛留言，表達對於他不再單身的失望之情。

When Lu Han announced his relationship in a Weibo post last year, some Taobao shops rolled out a "Lu Han love insurance" priced at 11.11 yuan per policy.
去年鹿晗在新浪微博公佈戀情時，一些淘寶商家就推出了“鹿晗戀愛險”，每份11.11元。

Purchasers could get double their money if he was still dating his girlfriend a year later.
如果這段戀情持續超過1年，商家將會雙倍賠付。

People's Daily said in a commentary last month that "love insurance" and similar products were something akin to gambling, rather than insurance policies.
《人民日報》上月發表評論說，“戀愛險”及類似產品並非保險產品，更像是在賭博。

"These 'love insurances' involving celebrities are not insurance products as they do not meet the requirements listed in China's Insurance Law," said the commission.
中國保監會稱：“公衆人物‘戀愛險’並非保險產品，不符合《保險法》規定”。

各種打着創新旗號的奇葩保險層出不窮

Internet companies are increasingly using Chinese youngsters' craze about entertainment events and personalities as a marketing tool to promote their products and services.
互聯網公司越來越多地利用中國年輕人對於娛樂事件和公衆人物的瘋狂來推廣它們的產品和服務。

In 2014, the so-called night owl insurance, valid for 30 days during the Fifa World Cup in Brazil, drew rave reviews from among the Chinese mainland's internet users.
早在2014年巴西世界盃期間，網絡上就曾出現過所謂的“夜貓子險”，有效期爲30天。這款產品受到網民青睞。

The insurance product covered medical and emergency expenses for soccer fans who might push themselves to the limit during late-night matches for 3 yuan.
用戶只需花費3元便可購買這種保險產品，它覆蓋了球迷熬夜看球可能出現的緊急醫療支出。

2014年8月15日，安誠保險在世界盃期間推出“世界盃遺憾保險”。這款產品宣稱，在世界盃比賽期間，投保人支持的球隊在投保階段被淘汰即可獲得賠付。保監會認爲該產品包含博彩性質，這款產品被正式叫停。

2015年4月，互聯網保險產品“跌停險”上線僅8天就遭保監會點名。客戶購買了該險種，投保期內個人某隻股票如果發生跌停，最高可獲得1萬元的賠付，單隻股票最低投保金額爲100元。保監會稱，其“誤導消費者對保險的認識，開發或銷售帶有賭博或博彩性質的產品”，並有違法之嫌。

京東金融還曾聯合中國人壽推出“忘穿秋褲險”，保費11.11元，在2015年11月22日至2016年2月4日期間，對意外傷害傷殘，以及意外門急診和住院，含冬天產生凍傷、感冒、下雪摔傷等冬季易發生意外或疾病的醫療責任，最高給予1111元的醫療費用報銷

財客錢包和華海保險聯合推出“加班險”，保費9.9元，被保險人21點後下班，上網打卡立即可獲得理賠。

中國人保推出一款家庭財產保險“熊孩子險”，保險期限內，由小孩造成第三者人身傷亡或財產損失，依法應承擔賠償責任的，保險公司會根據保險合同的規定負責賠償。

針對上述奇葩產品，保監會在2017年1月印發《財產保險公司保險產品開發指引》明確提出，保險公司不得開發無實質內容意義、炒作概念的噱頭性產品。

"China's financial market is still a regulated market, with authorities playing a powerful role in judging the legality of businesses," said Wang Feng, chairman of Shanghai-based financial services company Ye Lang Capital.
上海Ye Lang資本金融服務公司的董事長王峯（音）表示：“中國的金融市場仍然是一個受到監管的市場，監管機構在評判業務合法性上發揮着重要作用。”

"The joke type of products such as 'love insurance', although describing themselves as innovative products, will be eradicated sooner or later."
“儘管自詡爲創新產品，但類似‘戀愛險’這樣的奇葩產品早晚會被清理。”