Chinese woman purchases 'Love Insurance', receives THIS amount after wedding

Beijing: A woman in China has purchased ‘love insurance’. The insurance policy promised either 10,000 roses or a cash payout upon making a claim. Now, ten years later, she has got married and has filed an insurance claim. Let's delve into the interesting story of this love insurance, how the woman obtained this policy, and the conditions for claiming the insurance.

What is the issue?

According to a report by the South China Morning Post, a woman named Wu from Xi'an, Shaanxi province in central China, purchased love insurance for US$28 (approximately 2500 rupees). Her husband said that when he was told about this type of policy, he thought his wife had been scammed.

When was the 'Love Insurance' policy purchased?

The woman bought the 'love insurance' policy in 2016 for 199 yuan (US$28). Ten years later, she filed a claim after getting married. The couple opted for a cash payout instead of 10,000 roses. 

The woman claimed to have received a payment of US$1,400, approximately 125,000 rupees, as an insurance payout.

The insurance payment was received when Wu and her partner 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 enrolling 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.

What was Wang’s reaction? 

Wang recalled that he was very skeptical at first. He said that Lu told him she had purchased a ‘love insurance’ policy. 

“My first reaction was that she had been scammed,” he said. 

The policy had a standard price of 299 yuan (US$42) and was issued by China Life Property and Casualty Insurance Company Limited.

Wu said that they opted for the cash payment. 

“The wedding is over. I don't know how to preserve 10,000 roses. We had already submitted a request to the company and were waiting to receive the amount. The insurance company's customer care department said they would send us an email within one to two business days so we could submit the necessary documents,” he said.

Wang said that all the arrangements for the wedding and honeymoon have been made. 

“We will decide what to do next once the money arrives,” he said. 

In 2017, China's former banking and insurance regulatory commission ordered insurance companies to stop creating "gimmicky" products without a genuine legal or insurable interest, effectively phasing out so-called marriage insurance and love insurance.

What does the ‘Love Insurance’ policy state?

If the policyholder marries their designated partner on any date within ten years after the third anniversary of the policy's effective date, they would be eligible to receive 10,000 roses or a 0.5-carat heart-shaped diamond ring, or they could opt for a cash payout.

Is the ‘Love Insurance’ policy still available?

On January 5, a customer care executive told Jimu News that the "love insurance" product had been discontinued in 2017, but existing policies could still be redeemed. Policyholders had the option of choosing between 10,000 yuan in cash or 10,000 roses. In October 2025, Wu and Wang officially registered their marriage after a decade-long relationship.