CHINA Trends and Developments Contributed by: Hao Zhan, Jia Wan, Xuelei Wang and Wei Cui, AnJie Broad Law Firm
dispute resolution for over ten years. Mr Cui has extensive experience in representing domestic and foreign clients in complex litigation and arbitration cases. He has represented in cases before the PRC Supreme People’s Court, the High People’s Courts of multiple provinces and many other Intermediate People’s Courts, as well as major arbitration institutions. Mr Cui is qualified to practise in the PRC and the State of New York in the USA.
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Insurance Litigation in China: An Introduction The insurance industry is an important pillar of finan- cial and social security systems, and China’s insur- ance industry has achieved rapid development in recent years. As of 31 August 2026, there were 345 members of the Insurance Association of China (IAC), 13 of which were insurance group (holding) compa- nies, 89 property insurance companies, 93 life insur- ance companies, 14 reinsurance companies, 20 insur- ance asset management companies and 66 insurance intermediaries. Other than the members of the IAC, there are still more asset management companies and insurance intermediaries acting in the market. According to data released by the National Financial Regulatory Admin- istration, the primary insurance premium income from January to July 2026 totalled CNY4,289 billion. With the continuous development of the insurance industry, the number of insurance litigation cases is also growing. As of August 2026, there were nearly 1.5 million litigation cases related to insurance dis-
putes from the China Judgments Online Database, mainly involving disputes over property insurance policies and life insurance policies, as well as some subrogation cases and a small number of insurance premium disputes cases. Litigation and arbitration are still the main ways to resolve insurance disputes, but the surge in insurance disputes has created demand for the development of various dispute settlement systems. Trends and developments Disputes may arise concerning all aspects of the for- mation and performance of insurance policies, such as determination of: • the validity and application of the exclusion clause; • whether the insurer meets its obligation to provide an explicit explanation of the meaning of the exclu- sion clause; • whether the incident is covered by the insurance policy; and • whether the calculation of the loss is accurate.
78 I NSURANCE L I T IGATI O N 2026
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