為愛豆的戀情買保險(xiǎn)？官方：這些險(xiǎn)種不合法

你會(huì)為你家愛豆的戀情買保險(xiǎn)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(jī)”。精明的商家隨即推出了一款“博眼球”產(chǎn)品——“鹿晗戀愛險(xiǎn)”。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(xiǎn)”，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(huì)發(fā)布風(fēng)險(xiǎn)提示稱，公眾人物“戀愛險(xiǎn)”并非保險(xiǎn)產(chǎn)品，不符合《保險(xiǎn)法》規(guī)定，也不是由保險(xiǎn)機(jī)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(guó)保險(xiǎn)監(jiān)管機(jī)構(gòu)出面提醒大家不要購(gòu)買網(wǎng)絡(luò)銷售的“戀愛險(xiǎn)”產(chǎn)品，稱其為“虛假的”保險(xiǎn)產(chǎn)品。

Chinese mainland's many such quirky online insurance policy peddlers do not have the authorisation to sell these products.

中國(guó)大陸許多奇葩保險(xiǎn)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(cè)出一對(duì)戀人的戀情能維持多久，購(gòu)買這種保險(xiǎn)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(guó)保監(jiān)會(huì)周一在其網(wǎng)站上發(fā)布了風(fēng)險(xiǎn)提示，其中提到了“鹿晗戀愛險(xiǎn)”。鹿晗是中國(guó)青少年的人氣偶像，他公布戀情后，導(dǎo)致新浪微博宕機(jī)。

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(duì)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(shí)，一些淘寶商家就推出了“鹿晗戀愛險(xiǎn)”，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(huì)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?qǐng)?bào)》上月發(fā)表評(píng)論說，“戀愛險(xiǎn)”及類似產(chǎn)品并非保險(xiǎn)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(guó)保監(jiān)會(huì)稱：“公眾人物‘戀愛險(xiǎn)’并非保險(xiǎn)產(chǎn)品，不符合《保險(xiǎn)法》規(guī)定”。

各種打著創(chuàng)新旗號(hào)的奇葩保險(xiǎn)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(guó)年輕人對(duì)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(xiǎn)”，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(fèi)3元便可購(gòu)買這種保險(xiǎn)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(chéng)保險(xiǎn)在世界杯期間推出“世界杯遺憾保險(xiǎn)”。這款產(chǎn)品宣稱，在世界杯比賽期間，投保人支持的球隊(duì)在投保階段被淘汰即可獲得賠付。保監(jiān)會(huì)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(xiǎn)產(chǎn)品“跌停險(xiǎn)”上線僅8天就遭保監(jiān)會(huì)點(diǎn)名。客戶購(gòu)買了該險(xiǎn)種，投保期內(nèi)個(gè)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(huì)稱，其“誤導(dǎo)消費(fèi)者對(duì)保險(xiǎn)的認(rèn)識(shí)，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(guó)人壽推出“忘穿秋褲險(xiǎn)”，保費(fèi)11.11元，在2015年11月22日至2016年2月4日期間，對(duì)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(fèi)用報(bào)銷。

2015年，華安保險(xiǎn)聯(lián)合支付寶平臺(tái)推出“扶老人險(xiǎn)”，被保險(xiǎn)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(fèi)用，保費(fèi)只需3元。

財(cái)客錢包和華海保險(xiǎn)聯(lián)合推出“加班險(xiǎn)”，保費(fèi)9.9元，被保險(xiǎn)人21點(diǎn)后下班，上網(wǎng)打卡立即可獲得理賠。

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

針對(duì)上述奇葩產(chǎn)品，保監(jiān)會(huì)在2017年1月印發(fā)《財(cái)產(chǎn)保險(xiǎn)公司保險(xiǎn)產(chǎn)品開發(fā)指引》明確提出，保險(xiǎn)公司不得開發(fā)無實(shí)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(zhǎng)王峰(音)表示：“中國(guó)的金融市場(chǎng)仍然是一個(gè)受到監(jiān)管的市場(chǎng)，監(jiān)管機(jī)構(gòu)在評(píng)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(xiǎn)’這樣的奇葩產(chǎn)品早晚會(huì)被清理。”