6-year-old handsome boy accidentally swallowed a battery and received a compensation of 40 million dollars, with Zurich Financial Services paying out 140 million dollars.

According to the announcement of Zurich Property Insurance Limited in July 2022, a 6-year-old boy in the United States mistakenly swallowed a button battery from a Chinese exporter's production of an air conditioner remote control, causing permanent damage to his gastrointestinal tract. The family demanded 125.2 million US dollars in compensation. Through litigation defense and settlement negotiations, the two parties finally reached a settlement of 40 million US dollars. Zurich Property Insurance, as the excess layer insurer, confirmed that the case falls within the policy coverage and completed a payment of approximately 141.28 million RMB on June 18, 2025, with the policy limit exhausted. The incident sparked heated discussions due to the high compensation, trending on Weibo. Excess layer insurance initiates payment after the basic coverage is exhausted, which is a common layering insurance model in the European and American markets, effectively helping companies deal with the risk of huge compensation.