In the past, there were no clear rules for buying insurance with credit cards. Whether it is universal insurance or critical illness insurance in personal insurance, customers can pay the premium by credit card, debit card, cash or transfer.

However, in 2008, the China Insurance Regulatory Commission issued the Notice of the China Insurance Regulatory Commission on Further Improving the Actuarial System of Life Insurance, prohibiting major insurance companies from using credit cards to pay life insurance premiums with cash value.