Viral 7-Year Affair Exposed by Insurance Policy

How the Seven-Year Affair and Multi-Million Yuan Scheme Unfolded

Zhen’s suspicions first began in 2017 when she found affectionate messages on Guo’s phone, including phrases like ‘aku rindu’ alongside frequent transfers of 520 yuan—an amount popular in China because its pronunciation mimics an expression for ‘aku cinta kamu’, according to the SCMP report. The situation escalated in 2024 while Zhen was receiving hospital treatment. During her stay, she discovered Guo had purchased health insurance policies for himself and their daughter through Li.

Further investigation by Zhen revealed the full scale of the financial entanglement. Insurance records cited by SCMP showed Guo bought more than 50 policies through Li, driving the agent’s promotion to manager within her company. Police records later revealed that Guo admitted to staying at hotels with Li more than 180 times, despite also acknowledging he owned over a dozen properties and faced no financial distress.

Legal Battles Over Marital Assets and Insurance Premiums

Zhen subsequently filed a lawsuit against Guo, Li, and the insurance company. According to court details mentioned in the SCMP report, Zhen demanded the return of insurance premiums on the grounds that marital joint assets were used, alongside the recovery of the 3 million yuan transferred directly to Li. Zhen also launched a separate legal action against Li’s husband, arguing he shared responsibility for returning the funds.

In her defense, Li denied having an affair with Guo. Li claimed their hotel stays were strictly for work purposes and argued that business meetings in hotels violate no laws. Furthermore, Li alleged that Guo wanted to cancel the policies due to an inability to pay premiums and conspired with his wife to claw back the money. The court ultimately ruled that Guo and Li maintained an inappropriate relationship, ordering Li to return approximately 900,000 yuan (around Rp 2,3 billion) plus interest to Zhen, while rejecting Li’s request for a re-examination.

Ongoing Legal Review of Insurance Contracts

While the personal liability and asset transfer rulings have been handed down, disputes surrounding the insurance contracts remain under review. The insurance company maintained that Guo’s purchase was a conscious and repeated decision rather than the result of immediate pressure or coercion. Meanwhile, Guo conceded that his romantic relationship with Li served as a major factor in his decision to buy many policies.

Public reaction across Chinese social media platforms has been varied. Many internet users agreed that funds given to a romantic partner can be requested back, but noted that cancellation of insurance policies has different legal issues. Other commentators suggested that Li may have viewed the relationship not merely as a romance, but as a business opportunity from selling insurance products.

Frequently Asked Questions

What initiated Zhen’s investigation into her husband’s activities?

Zhen initially grew suspicious in 2017 after finding affectionate text messages and romantic monetary transfers, and deepened her investigation in 2024 when she discovered health insurance policies purchased for her and her child during her hospital stay.

How much money was involved in the transfers and policy purchases?

According to SCMP, Guo transferred more than 3 million yuan to Li and purchased over 50 insurance policies totaling more than 10 million yuan in premiums over seven years.

What was the court’s ruling regarding the financial disputes?

The court determined that Guo and Li shared an inappropriate relationship and ordered Li to return approximately 900,000 yuan plus interest to Zhen. A review regarding the insurance contracts remains ongoing.