Who is behind this site, what they are licensed to do, what they are not allowed to do, and how to verify every claim on this page.
An independent site, operated by a licensed practitioner.
InsureTourChina is a private website operated by an individual registered as an insurance sales practitioner. It is not an insurance company, not a licensed insurance intermediary, and not a multi-brand group. The site exists because the questions it answers — social insurance for foreign employees, pension contributions from abroad, mainland medical cover for people whose treatment happens in China — are almost never answered by the channels that sell the products.
Because we are a practitioner rather than an insurer, everything that legally belongs to an insurer or a licensed intermediary stays with them. Underwriting, issuing the contract, holding the premium and deciding the claim are not ours to do. We are responsible for explaining the terms accurately and for the paperwork around them.
Insurance sales in mainland China are regulated. A site that sells or advises on insurance has to show who is operating it, who is licensed, and under whose authority. All three are below.
| Item | Detail |
|---|---|
| Site operator | 陈高论（自然人经营者） |
| Unified social credit code | 不适用（自然人经营者，无统一社会信用代码） |
| Registered business scope | 个人网站运营：保险产品信息展示与向持牌机构导流（本站仅做信息展示与导流，不销售保险产品，不报价，不收取保费；投保与缴费均在持牌机构自营平台完成） |
| Operating region | 中华人民共和国境内（不含港、澳、台） |
| Registered / service address | 服务地址（所属机构营业场所）：深圳市福田区梅林街道梅都社区中康路136号深圳新一代产业园4栋2001、2002 |
| Practitioner (sales person) | Chen Gaolun (陈高论) |
| Practitioner registration no. | 20346833000082102026001331 |
| Affiliated licensed institution | 手回保险代理有限公司（Shouhui Insurance Agency Co., Ltd.） |
| Affiliated institution licence no. | 203468000000800 |
| Scope of authorisation | Registered insurance sales practitioner, authorised by 手回保险代理有限公司 to conduct insurance sales within the scope of that institution's insurance intermediary licence (No. 203468000000800). This site provides product information display and referral only — no sale, no quotation, no premium collection, and no application on your behalf. |
| Regulator | National Financial Regulatory Administration |
Nothing on this page asks you to take our word for it. Every identifier above can be checked against an official register.
| What it confirms | Where to check |
|---|---|
| Practitioner registration | https://www.insurcloud.com.cn/ipq/ Insurance Intermediary Cloud Platform — query by practitioner registration no. or name plus last four digits of ID. |
| Institution licences | https://xkz.nfra.gov.cn/ National Financial Regulatory Administration — query insurance licences and insurance intermediary licences. |
| Financial product register | https://www.jrcpcx.cn/ Official financial product information platform — verify a product before you buy it. |
| Industry disclosure | http://icidp.iachina.cn/ Insurance Association of China — insurance intermediary and online platform disclosure. |
Summarised in plain language, with the point of each rule rather than the article number.
An individual cannot sell insurance in mainland China on their own account. Registration is done by one licensed institution, and the work is done within that institution's authorisation. That is why the institution's name and licence number appear above, and why you can check them.
Premium is paid by the policyholder to the insurer, from the policyholder's own account. An intermediary may not collect premium from a client's account, and may not handle a payment from an account that is not the policyholder's own.
Premium calculation, quote building and plan design are regulated activities that belong to the insurer or the licensed intermediary. We explain what terms mean; we do not run a premium calculator, quote a price, or submit an application in your name.
The application is made by you on the insurer's own platform, and you answer the health declaration yourself. Nothing is submitted and nothing is confirmed on your behalf — that includes the final tick on any contract document.
A limitation clause has no effect unless the insurer has drawn it to the insured's attention in a way an ordinary person would understand. That is why the exclusions get written out for you rather than left in the small print.
No signing on the client's behalf, no pre-ticked boxes, no bundling a product into a form as a condition of something else. The free-look period, waiting periods and cash value must be disclosed before you commit.
Returns cannot be promised, and payouts cannot be guaranteed. False claims about claim outcomes attract regulatory sanctions. If a provider promises you a result, that is a signal to walk away — not a signal that they are confident.
Insurance sales conversations are subject to record-keeping rules, including on the use of customer information for sales purposes. A record of what was said to you may exist even if it was not written down here.
Applied to everything on this site, and to everything we write for a client.
| Rule | How it shows up in practice |
|---|---|
| Structure, not products | We describe how a category is built without naming specific in-force products, because terms and pricing change with each filing version. |
| No invented figures | No benefit amounts, premiums or percentages appear unless they come from a current contract document. |
| Policy wording governs | Every explanation is followed by the caveat that the contract wording governs — including where we summarise it. |
| No third-party attribution | Content compiled from public guidance is rewritten in our own editorial voice, with no outside outlet named and no links to third-party material. |
| Machine translation disclosed | Translated versions carry a notice that the English version is authoritative. |
Tell us what happened. If it was our fault, we will say so. And if you would rather go straight to a formal channel, that is entirely reasonable.
The insurer named on your policy contract handles the claim and the complaint about that claim. Its customer service line and complaint address are printed on the policy document.
手回保险代理有限公司 — 客服/投诉热线 400-646-9898；客服邮箱 cs@baodanzhushou.com；营业场所：深圳市福田区梅林街道梅都社区中康路136号深圳新一代产业园4栋2001、2002
12378 — the National Financial Regulatory Administration complaint hotline. Use it where the conduct you want to complain about concerns insurance sales, intermediary conduct, or the handling of your complaint by the insurer or intermediary.
Tell us what went wrong. If it was our fault, we will say so.