A woman in China bought “love insurance”. The insurance policy promised a payment of Rs 10,000 or a cash payment in case of a claim. Now, ten years later, she is married and has filed an insurance claim. Let us know the interesting story of this love insurance, how the woman took this policy, and the conditions for making an insurance claim.
According to a report by South China Morning Post, a woman named Wu from Xi’an in China’s Shaanxi province bought love insurance for US$28 (approximately Rs 2500). Her husband said that when he was informed about such a policy, he felt that his wife had been cheated.
‘Love Insurance’ policy purchased 10 years ago
The woman had bought a ‘love insurance’ policy in 2016 for 199 yuan (US$28). Ten years later, after marriage, she filed a claim. The couple chose to take cash payment instead of Rs 10,000. The woman claimed that she had received US$1,400, approximately Rs 125,000, as insurance payment.
Wu and her partner received the insurance payment when they officially registered their marriage in 2025, after a decade-long relationship. Wu met her husband Wang in middle school. They started dating in 2015 after getting admission in the same university and officially became a couple. Both were born after 1995. In 2016, Wu bought this ‘love insurance’ policy as a gift for her boyfriend.
Wang remembers being very skeptical at first. She said Lu told her he had purchased a “love insurance” policy. My first reaction was that he had been cheated. The standard price of the policy was 299 yuan (US$42) and it was issued by China Life Property and Casualty Insurance Co., Ltd.
If the policyholder marries his/her partner on any date within ten years of the third anniversary of the policy inception date, he/she will be entitled to receive Rs 10,000 or a 0.5-carat heart-shaped diamond ring, or they can also choose a cash payment.
Such policies have not been sold since 2017
On January 5, a customer service executive told Jimu News that the “love insurance” product was discontinued in 2017, but existing policies can still be redeemed. Policy holders had the option to choose between 10,000 yuan cash or 10,000 roses. In October 2025, Wu and Wang officially registered their marriage after a decade-long relationship.
Wu said that he had chosen the cash payment option. “The wedding is over. I don’t know how to handle 10,000 roses,” she said. Wang said he had already sent a request to the company and was waiting to receive the money. The customer service department of the insurance company said that they will send them an email within one to two working days so that they can submit the required documents.
Wang said that all preparations for the wedding and honeymoon have been completed. “Once the money comes, we will decide what to do next,” she said. In 2017, China’s former Banking and Insurance Regulatory Commission ordered insurance companies to stop making “gimmicky” products without any real legal or insurable interest, leading to the gradual closure of so-called marriage insurance and love insurance.
