China Insurance Regulator Contact List by Province for Foreign Companies
Foreign insurance companies operating in China must maintain active communication with the National Financial Regulatory Administration (NFRA) and its provincial offices. Each province and municipality in China has its own local NFRA bureau responsible for supervising insurance activities, processing license applications, conducting inspections, and enforcing regulatory compliance. This comprehensive contact list provides foreign insurers with the key addresses, phone numbers, and jurisdictional details they need to navigate Chinas insurance regulatory framework in 2026.
National Regulatory Authority
National Financial Regulatory Administration (NFRA) – Headquarters
Address: No. 15 Financial Street, Xicheng District, Beijing 100033, People’s Republic of China
Telephone: +86-10-6627-9114 (General Switchboard)
Foreign Insurance Supervision Hotline: +86-10-6627-9315
Fax: +86-10-6627-9138
Email: foreignaffairs@nfra.gov.cn
Website: www.nfra.gov.cn
Office Hours: Monday to Friday, 8:30 AM – 5:00 PM (Beijing Time)
Jurisdiction: National-level oversight of all insurance and financial sectors. Handles cross-provincial matters, foreign insurer establishment approvals, and policy-level inquiries.
Provincial NFRA Offices – Key Insurance Markets
Beijing Municipality
NFRA Beijing Office
Address: No. 26 South Financial Street, Financial Street Area, Xicheng District, Beijing 100032
Telephone: +86-10-5836-8000
Insurance Supervision Hotline: +86-10-5836-8120
Consumer Complaints: +86-10-5836-8110 (Mandarin service available)
Email: beijing@nfra.gov.cn
Jurisdiction: All insurance activities within Beijing Municipality, home to 28 foreign-insurer representative offices and 12 foreign-invested insurance companies as of 2025.
Shanghai Municipality
NFRA Shanghai Office
Address: No. 218 South Pudong Road, Pudong New Area, Shanghai 200120
Telephone: +86-21-3865-2000
Insurance Supervision Hotline: +86-21-3865-2150
Foreign Company Liaison: +86-21-3865-2130 (English-speaking officer available)
Email: shanghai@nfra.gov.cn
Jurisdiction: Shanghai Municipality and the Lin-gang Special Area. Shanghai has the highest concentration of foreign insurers in China, with 35 foreign-invested insurance companies and 15 representative offices.
Guangdong Province (including Shenzhen)
NFRA Guangdong Office
Address: No. 338 Yanjiang West Road, Yuexiu District, Guangzhou 510120
Telephone: +86-20-8336-8000
Insurance Supervision Hotline: +86-20-8336-8120
Email: guangdong@nfra.gov.cn
Jurisdiction: Guangdong Province (excluding Shenzhen). Key hub for insurers serving the Greater Bay Area. 8 foreign-invested insurance companies and 12 representative offices registered here.
NFRA Shenzhen Office
Address: No. 5006 Shennan East Road, Luohu District, Shenzhen 518001
Telephone: +86-755-8226-8000
Insurance Supervision Hotline: +86-755-8226-8150
Email: shenzhen@nfra.gov.cn
Jurisdiction: Shenzhen Special Economic Zone, a pilot area for insurance innovation including cross-border health insurance products and digital insurance pilots.
Jiangsu Province
NFRA Jiangsu Office
Address: No. 5 Jianye Road, Jianye District, Nanjing 210004
Telephone: +86-25-8621-8000
Insurance Supervision Hotline: +86-25-8621-8120
Email: jiangsu@nfra.gov.cn
Jurisdiction: Jiangsu Province (Nanjing, Suzhou, Wuxi, Changzhou, etc.). Hosts 5 foreign-invested insurance companies and 8 representative offices. Suzhou office under this jurisdiction handles Kunshan area inquiries.
Zhejiang Province
NFRA Zhejiang Office
Address: No. 138 Qingchun Road, Gongshu District, Hangzhou 310003
Telephone: +86-571-8770-8000
Insurance Supervision Hotline: +86-571-8770-8150
Email: zhejiang@nfra.gov.cn
Jurisdiction: Zhejiang Province (Hangzhou, Ningbo, Wenzhou, etc.). Ningbo has a separate sub-office for its special economic zone status.
Tianjin Municipality
NFRA Tianjin Office
Address: No. 52 Youyi Road, Hexi District, Tianjin 300201
Telephone: +86-22-8386-8000
Insurance Supervision Hotline: +86-22-8386-8120
Email: tianjin@nfra.gov.cn
Jurisdiction: Tianjin Municipality and the Tianjin Pilot Free Trade Zone. Key location for foreign captive insurance companies.
Shandong Province
NFRA Shandong Office
Address: No. 52 Jingqi Road, Shizhong District, Jinan 250002
Telephone: +86-531-8618-8000
Insurance Supervision Hotline: +86-531-8618-8120
Email: shandong@nfra.gov.cn
Jurisdiction: Shandong Province (Jinan, Qingdao, Yantai, Weihai, etc.). Qingdao has a separate sub-office with additional authority over the Qingdao FTZ area.
Fujian Province (including Xiamen)
NFRA Fujian Office
Address: No. 68 Hudong Road, Gulou District, Fuzhou 350003
Telephone: +86-591-8788-8000
Insurance Supervision Hotline: +86-591-8788-8120
Email: fujian@nfra.gov.cn
Jurisdiction: Fujian Province (excluding Xiamen). Important for insurers focusing on cross-strait financial services with Taiwan.
NFRA Xiamen Office
Address: No. 26 Hubin North Road, Siming District, Xiamen 361012
Telephone: +86-592-5318-8000
Insurance Supervision Hotline: +86-592-5318-8120
Email: xiamen@nfra.gov.cn
Jurisdiction: Xiamen Special Economic Zone and the Xiamen FTZ area.
Sichuan Province
NFRA Sichuan Office
Address: No. 38 Taisheng South Road, Qingyang District, Chengdu 610017
Telephone: +86-28-8652-8000
Insurance Supervision Hotline: +86-28-8652-8120
Email: sichuan@nfra.gov.cn
Jurisdiction: Sichuan Province, including Chongqing (which is separately listed below for municipal-level matters). Regional hub for Western China insurance operations. 3 foreign insurance companies have regional headquarters here.
Chongqing Municipality
NFRA Chongqing Office
Address: No. 128 Jiangbei City Avenue, Jiangbei District, Chongqing 400023
Telephone: +86-23-6766-8000
Insurance Supervision Hotline: +86-23-6766-8120
Email: chongqing@nfra.gov.cn
Jurisdiction: Chongqing Municipality. Growing insurance market driven by inland economic development policies.
Liaoning Province (including Dalian)
NFRA Liaoning Office
Address: No. 43-1 Huanghe Street, Huanggu District, Shenyang 110031
Telephone: +86-24-8628-8000
Insurance Supervision Hotline: +86-24-8628-8120
Email: liaoning@nfra.gov.cn
Jurisdiction: Liaoning Province (excluding Dalian). Key industrial insurance market for property and casualty lines.
NFRA Dalian Office
Address: No. 129 Zhongshan Road, Xigang District, Dalian 116001
Telephone: +86-411-8386-8000
Insurance Supervision Hotline: +86-411-8386-8120
Email: dalian@nfra.gov.cn
Jurisdiction: Dalian Special Economic Zone area.
Hubei Province
NFRA Hubei Office
Address: No. 165 Wuluo Road, Wuchang District, Wuhan 430077
Telephone: +86-27-8766-8000
Insurance Supervision Hotline: +86-27-8766-8120
Email: hubei@nfra.gov.cn
Jurisdiction: Hubei Province (Wuhan, Xiangyang, Yichang, etc.). Central China insurance regulatory hub.
Hunan Province
NFRA Hunan Office
Address: No. 30 Shuyuan Road, Tianxin District, Changsha 410015
Telephone: +86-731-8878-8000
Insurance Supervision Hotline: +86-731-8878-8120
Email: hunan@nfra.gov.cn
Jurisdiction: Hunan Province.
Henan Province
NFRA Henan Office
Address: No. 98 Hongzhuan Road, Zhengdong New District, Zhengzhou 450008
Telephone: +86-371-6338-8000
Insurance Supervision Hotline: +86-371-6338-8120
Email: henan@nfra.gov.cn
Jurisdiction: Henan Province.
Anhui Province
NFRA Anhui Office
Address: No. 212 Changjiang Middle Road, Luyang District, Hefei 230061
Telephone: +86-551-6538-8000
Insurance Supervision Hotline: +86-551-6538-8120
Email: anhui@nfra.gov.cn
Jurisdiction: Anhui Province.
Shaanxi Province
NFRA Shaanxi Office
Address: No. 98 Gaoxin Road, Gaoxin District, Xi’an 710075
Telephone: +86-29-8558-8000
Insurance Supervision Hotline: +86-29-8558-8120
Email: shaanxi@nfra.gov.cn
Jurisdiction: Shaanxi Province (Xi’an, Xianyang, Baoji, etc.). Regional hub for Northwest China.
Special Administrative Regions
Hong Kong SAR
Insurance Authority (IA)
Address: 29/F, 41 Heung Yip Road, Wong Chuk Hang, Hong Kong
Telephone: +852-2867-2565
Email: ia@ia.org.hk
Website: www.ia.org.hk
Note: While Hong Kong has its own independent insurance regulator under the “one country, two systems” framework, foreign insurers using Hong Kong as a regional base should maintain relationships with both the IA and the mainland NFRA offices where they have cross-border operations.
Macau SAR
Monetary Authority of Macau (AMCM) – Insurance Supervision Department
Address: 24-26 Rua Pedro Coutinho, Macau
Telephone: +853-2836-8856
Email: insurance@amcm.gov.mo
Website: www.amcm.gov.mo
Key Regulatory Contacts for Foreign Insurers
Beyond provincial offices, foreign insurance companies should be aware of the following specialized NFRA departments at the national level:
| Department | Responsibility | Contact |
|---|---|---|
| Foreign Insurance Institution Supervision Department | Approval and oversight of foreign-invested insurance companies, branches, and representative offices | +86-10-6627-9315 |
| Insurance Product Filing and Review Department | Review and filing of insurance products including policy terms and pricing | +86-10-6627-9320 |
| Solvency and Capital Supervision Department | Solvency regulation, C-ROSS implementation, and capital adequacy monitoring | +86-10-6627-9330 |
| Market Conduct Supervision Department | Sales practices, anti-fraud, consumer protection, and market discipline enforcement | +86-10-6627-9340 |
| International Affairs Department | Cross-border regulatory cooperation, bilateral agreements, and international policy coordination | +86-10-6627-9350 |
| Legal and Compliance Department | Regulatory interpretation, enforcement actions, and legal advisory services | +86-10-6627-9360 |
Provincial Contacts for Foreign Insurer Hotspots
Qingdao Sub-Office (under Shandong)
NFRA Qingdao Sub-Office
Address: No. 11 Fuzhou South Road, Shinan District, Qingdao 266002
Telephone: +86-532-8386-8000
Email: qingdao@nfra.gov.cn
Jurisdiction: Qingdao FTZ area and Qingdao city insurance operations.
Suzhou Sub-Office (under Jiangsu)
NFRA Suzhou Sub-Office
Address: No. 38 Sanxiang Road, Gusu District, Suzhou 215004
Telephone: +86-512-6866-8000
Email: suzhou@nfra.gov.cn
Jurisdiction: Suzhou and Kunshan area, including the Suzhou Industrial Park where many foreign manufacturing companies are based.
Practical Guidance for Foreign Companies
Submitting Inquiries to Provincial NFRA Offices
When contacting provincial NFRA offices, foreign companies should follow these procedures to ensure efficient handling of their inquiries:
- Language: While some offices (notably Shanghai, Beijing, and Shenzhen) have English-speaking officers, most provincial offices primarily communicate in Mandarin. It is advisable to submit written inquiries in both Chinese and English. Consider engaging a bilingual compliance officer or external legal counsel familiar with insurance regulatory matters in China.
- Documentation: Always provide your companys official Chinese name as registered with the NFRA, your insurance license number, and the specific regulation or circular number that your inquiry references.
- Response Times: Provincial offices typically respond to standard inquiries within 5-10 business days. Complex matters involving policy interpretation may take 15-30 business days. Urgent matters should be escalated through the national headquarters Foreign Insurance Institution Supervision Department.
Annual Compliance Calendar
Foreign insurers should plan their regulatory engagement around these key annual milestones:
- January-March: Annual report submission to provincial NFRA office, including audited financial statements, solvency reports (C-ROSS), and business operations summary
- April-May: Product renewal filings for the upcoming fiscal year; notification of any planned changes to product terms or pricing
- June: Mid-year regulatory review meetings with provincial office representatives; on-site inspection scheduling
- September-October: Budget and business plan submissions for the following year; capital adequacy projections
- Ongoing: Material event notifications (any change in ownership, management, or significant operational matters must be reported within 5 business days)
Digital Tools and Online Portals
The NFRA maintains several digital platforms that foreign insurers should be familiar with:
- NFRA Online Service Portal (nfra.gov.cn/service): For license applications, product filings, and routine compliance submissions. An English-language interface is available for the foreign insurance module.
- Insurance Product Filing System (IPFS): Centralized platform for filing and reviewing all insurance product terms, conditions, and pricing. Foreign insurers must register for a dedicated account through their provincial NFRA office.
- Solvency Reporting System (C-ROSS): Digital submission portal for all solvency-related reports under Chinas risk-oriented solvency system. Quarterly and annual submissions are mandatory.
- Consumer Complaint System (12378 Hotline): National insurance consumer complaint hotline. Foreign insurers must ensure they have a designated contact person listed with their provincial office to respond to complaints forwarded through this system.
Updates and Regulatory Changes for 2026
Foreign insurers should note the following recent developments that may affect their regulatory engagement:
- Digital Insurance Pilot Expansion: The NFRA has expanded digital insurance pilot programs to an additional 12 provinces in 2026, allowing fully online product distribution and claims processing. Contact the provincial office in pilot provinces for specific requirements.
- Cross-border Data Transfer Rules: Insurance companies transferring policyholder data out of China must now file additional documentation with their provincial NFRA office, including PIPL-compliant data protection impact assessments. The Shanghai and Shenzhen offices have established dedicated data compliance desks to assist with these filings.
- Green Insurance Guidelines: New environmental risk disclosure requirements for commercial insurance lines took effect in 2026. Provincial offices in Jiangsu, Zhejiang, and Guangdong are leading the implementation and can provide guidance on compliance expectations.
