为爱豆的恋情买保险？官方：这些险种不合法

日前，保监会发布风险提示称，公众人物“恋爱险”并非保险产品，不符合《保险法》规定，也不是由保险机构开发和销售的。

China's insurance watchdog has come out against the "love insurance" products sold online in the country, labelling them as "fake" policies.
中国保险监管机构出面提醒大家不要购买网络销售的“恋爱险”产品，称其为“虚假的”保险产品。

Chinese mainland's many such quirky online insurance policy peddlers do not have the authorisation to sell these products.
中国大陆许多奇葩保险产品的销售方并没有获得销售此类产品的授权。

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.
如果能成功预测出一对恋人的恋情能维持多久，购买这种保险产品的客户就能赚上一笔，一般能达到付款的数倍。

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.
中国保监会周一在其网站上发布了风险提示，其中提到了“鹿晗恋爱险”。鹿晗是中国青少年的人气偶像，他公布恋情后，导致新浪微博宕机。

Tens of thousands of his heartbroken fans left messages expressing their disappointment over him not being available any more.
数万名伤心的粉丝纷纷留言，表达对于他不再单身的失望之情。

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布恋情时，一些淘宝商家就推出了“鹿晗恋爱险”，每份11.11元。

Purchasers could get double their money if he was still dating his girlfriend a year later.
如果这段恋情持续超过1年，商家将会双倍赔付。

People's Daily said in a commentary last month that "love insurance" and similar products were something akin to gambling, rather than insurance policies.
《人民日报》上月发表评论说，“恋爱险”及类似产品并非保险产品，更像是在赌博。

"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.
中国保监会称：“公众人物‘恋爱险’并非保险产品，不符合《保险法》规定”。

各种打着创新旗号的奇葩保险层出不穷

Internet companies are increasingly using Chinese youngsters' craze about entertainment events and personalities as a marketing tool to promote their products and services.
互联网公司越来越多地利用中国年轻人对于娱乐事件和公众人物的疯狂来推广它们的产品和服务。

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年巴西世界杯期间，网络上就曾出现过所谓的“夜猫子险”，有效期为30天。这款产品受到网民青睐。

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.
用户只需花费3元便可购买这种保险产品，它覆盖了球迷熬夜看球可能出现的紧急医疗支出。

2014年8月15日，安诚保险在世界杯期间推出“世界杯遗憾保险”。这款产品宣称，在世界杯比赛期间，投保人支持的球队在投保阶段被淘汰即可获得赔付。保监会认为该产品包含博彩性质，这款产品被正式叫停。

2015年4月，互联网保险产品“跌停险”上线仅8天就遭保监会点名。客户购买了该险种，投保期内个人某只股票如果发生跌停，最高可获得1万元的赔付，单只股票最低投保金额为100元。保监会称，其“误导消费者对保险的认识，开发或销售带有赌博或博彩性质的产品”，并有违法之嫌。

京东金融还曾联合中国人寿推出“忘穿秋裤险”，保费11.11元，在2015年11月22日至2016年2月4日期间，对意外伤害伤残，以及意外门急诊和住院，含冬天产生冻伤、感冒、下雪摔伤等冬季易发生意外或疾病的医疗责任，最高给予1111元的医疗费用报销

财客钱包和华海保险联合推出“加班险”，保费9.9元，被保险人21点后下班，上网打卡立即可获得理赔。

中国人保推出一款家庭财产保险“熊孩子险”，保险期限内，由小孩造成第三者人身伤亡或财产损失，依法应承担赔偿责任的，保险公司会根据保险合同的规定负责赔偿。

针对上述奇葩产品，保监会在2017年1月印发《财产保险公司保险产品开发指引》明确提出，保险公司不得开发无实质内容意义、炒作概念的噱头性产品。

"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资本金融服务公司的董事长王峰（音）表示：“中国的金融市场仍然是一个受到监管的市场，监管机构在评判业务合法性上发挥着重要作用。”

"The joke type of products such as 'love insurance', although describing themselves as innovative products, will be eradicated sooner or later."
“尽管自诩为创新产品，但类似‘恋爱险’这样的奇葩产品早晚会被清理。”