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Insurance sales on this site are conducted by Chen Gaolun (陈高论) (practitioner registration no. 20346833000082102026001331), a registered insurance sales practitioner of 手回保险代理有限公司(Shouhui Insurance Agency Co., Ltd.) (licence no. 203468000000800), acting within the scope of that institution's authorisation. Products are underwritten by the insurers named in the policy contract; eligibility, premiums and exclusions are governed by that contract. Premium is paid by the policyholder directly to the insurer or the licensed institution — never through this site. Nothing here is a quotation, a recommendation to buy, or a promise of coverage or of claim outcome.