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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”。
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。
"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。”
