為愛豆的戀情買保險？官方：這些險種不合法

你會為你家愛豆的戀情買保險嗎?2017年10月，人氣明星鹿晗戀情曝光，朋友圈“炸翻”，微博服務(wù)器一度“宕機”。精明的商家隨即推出了一款“博眼球”產(chǎn)品——“鹿晗戀愛險”。商家承諾如兩人一年后仍保持戀愛關(guān)系，便賠付雙倍保額。

類似的還有“王俊凱戀愛險”，這款產(chǎn)品每單10元，商家承諾王俊凱1年內(nèi)戀愛可三倍賠付。

日前，保監(jiān)會發(fā)布風(fēng)險提示稱，公眾人物“戀愛險”并非保險產(chǎn)品，不符合《保險法》規(guī)定，也不是由保險機構(gòu)開發(fā)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(jiān)管機構(gòu)出面提醒大家不要購買網(wǎng)絡(luò)銷售的“戀愛險”產(chǎn)品，稱其為“虛假的”保險產(chǎn)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(chǎn)品的銷售方并沒有獲得銷售此類產(chǎn)品的授權(quán)。

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(yù)測出一對戀人的戀情能維持多久，購買這種保險產(chǎn)品的客戶就能賺上一筆，一般能達(dá)到付款的數(shù)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(jiān)會周一在其網(wǎng)站上發(fā)布了風(fēng)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，他公布戀情后，導(dǎo)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(shù)萬名傷心的粉絲紛紛留言，表達(dá)對于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布戀情時，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(xù)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(fā)表評論說，“戀愛險”及類似產(chǎn)品并非保險產(chǎn)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(jiān)會稱：“公眾人物‘戀愛險’并非保險產(chǎn)品，不符合《保險法》規(guī)定”。

各種打著創(chuàng)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(lián)網(wǎng)公司越來越多地利用中國年輕人對于娛樂事件和公眾人物的瘋狂來推廣它們的產(chǎn)品和服務(wù)。

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年巴西世界杯期間，網(wǎng)絡(luò)上就曾出現(xiàn)過所謂的“夜貓子險”，有效期為30天。這款產(chǎn)品受到網(wǎng)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(chǎn)品，它覆蓋了球迷熬夜看球可能出現(xiàn)的緊急醫(yī)療支出。

2014年8月15日，安誠保險在世界杯期間推出“世界杯遺憾保險”。這款產(chǎn)品宣稱，在世界杯比賽期間，投保人支持的球隊在投保階段被淘汰即可獲得賠付。保監(jiān)會認(rèn)為該產(chǎn)品包含博彩性質(zhì)，這款產(chǎn)品被正式叫停。

2015年4月，互聯(lián)網(wǎng)保險產(chǎn)品“跌停險”上線僅8天就遭保監(jiān)會點名?？蛻糍徺I了該險種，投保期內(nèi)個人某只股票如果發(fā)生跌停，最高可獲得1萬元的賠付，單只股票最低投保金額為100元。保監(jiān)會稱，其“誤導(dǎo)消費者對保險的認(rèn)識，開發(fā)或銷售帶有賭博或博彩性質(zhì)的產(chǎn)品”，并有違法之嫌。

京東金融還曾聯(lián)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(chǎn)生凍傷、感冒、下雪摔傷等冬季易發(fā)生意外或疾病的醫(yī)療責(zé)任，最高給予1111元的醫(yī)療費用報銷。

2015年，華安保險聯(lián)合支付寶平臺推出“扶老人險”，被保險人若在幫扶老人后被誤認(rèn)為是肇事者，可獲賠法律訴訟費用，保費只需3元。

財客錢包和華海保險聯(lián)合推出“加班險”，保費9.9元，被保險人21點后下班，上網(wǎng)打卡立即可獲得理賠。

中國人保推出一款家庭財產(chǎn)保險“熊孩子險”，保險期限內(nèi)，由小孩造成第三者人身傷亡或財產(chǎn)損失，依法應(yīng)承擔(dān)賠償責(zé)任的，保險公司會根據(jù)保險合同的規(guī)定負(fù)責(zé)賠償。

針對上述奇葩產(chǎn)品，保監(jiān)會在2017年1月印發(fā)《財產(chǎn)保險公司保險產(chǎn)品開發(fā)指引》明確提出，保險公司不得開發(fā)無實質(zhì)內(nèi)容意義、炒作概念的噱頭性產(chǎn)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(wù)公司的董事長王峰(音)表示：“中國的金融市場仍然是一個受到監(jiān)管的市場，監(jiān)管機構(gòu)在評判業(yè)務(wù)合法性上發(fā)揮著重要作用。”

"The joke type of products such as 'love insurance', although describing themselves as innovative products, will be eradicated sooner or later."

“盡管自詡為創(chuàng)新產(chǎn)品，但類似‘戀愛險’這樣的奇葩產(chǎn)品早晚會被清理。”