1299.HK

After undergoing sex reassignment surgery (SRS) and lawfully obtaining a female national ID, AIA (1299.HK) not only refused to update my customer information but also unilaterally terminated my insurance contract without justification. Following legal proceedings, I won the case, and the court affirmed the validity of the insurance contract. To the best of publicly available records, this is the first known case in mainland China involving a commercial insurance dispute related to a transgender individual. Although mainland China does not follow a case law system, this legal victory nonetheless holds significant judicial meaning.
在我完成性别重置手术（SRS）且依法取得女性身份证后，友邦人寿（AIA）不仅拒绝为我更新相关客户信息，还无理由地解除了我的保险合同。经过诉讼，我已经赢得了这场官司，保险合同经法院认定为有效。在公开查询的范围内，这是中国大陆首宗跨性别商业保险解约纠纷案件。虽然中国大陆并非判例法系，但这宗案件的胜诉仍有巨大的司法意义。

Here are the devices I have used, along with their specifications and my comments.

According to Chinese law, after undergoing gender-affirming surgery, a citizen’s ID number and the gender information on their household registration (hukou) can be updated. However, due to the rarity of such cases, the relevant legal provisions are not clearly defined in practical implementation. In cases involving surgeries performed abroad, individuals may be required to provide additional, unnecessary documentation. This article is based on my personal experience in navigating this process.
GAS (Gender-Affirming Surgery) 或 SRS (Sex Reassignment Surgery) 亦即性别肯定手术、性别重置手术 (俗称变性手术)。根据中国法律，变性手术后，公民的身份证号码和户口簿上的性别信息可以更新。但由于案例稀少，相关法律条款在实际操作中并不明确。对于境外手术的情况，可能会被要求出具其他不必要材料。这篇文章是我本人的实际经历。

After lawfully obtaining a female identification in China, my national ID number was updated accordingly. However, Xianyu, an app owned by Alibaba, refused to update my identity information, leaving me with no choice but to seek legal recourse.
在依法取得女性身份证后，我的中国身份证号码随之变更。然而，阿里巴巴旗下的闲鱼 App 拒绝配合更新我的身份信息，迫使我不得不通过法律途径维权。

HRT is a form of hormone treatment that transgender individuals typically undergo prior to gender-affirming surgeries. While Chinese law does not prohibit transgender individuals from using the basic social medical insurance system to access hormone therapy, in practice, hospitals or social security offices often deny coverage for medications like estradiol. They commonly cite reasons such as “male identity cannot use female medications” or “off-label use not specified in the drug instructions.” This article is based on my experience in 2023 communicating with hospitals and the Shanghai Medical Insurance Bureau regarding reimbursement issues.
HRT (Hormone Replacement Therapy) 或者 GAHT (Gender-Affirming Hormone Therapy) 亦即激素替代治疗，是跨性别者在进行性别肯定手术前，通常会进行的激素治疗。中国法律并没有禁止跨性别者使用社会基本医疗保险进行激素替代疗法，但是在实际操作中，医院或者社会保障局会以「男性身份不能使用女性用药」或「使用说明未记载的用法」的理由拒绝跨性别者使用医保结算雌二醇等药物。这篇文章是我在 2023 年就医药报销问题与医院和上海市医保局沟通的经历。