Abstract: The present invention is a folding hand fan with decorative handles and removable interchangeable fan inserts that can be inserted into the different fan handles to create a totally different look of the fan to match a woman's clothes. The folding hand fan insert unit is inserted into the fan handles, and the entire hand held fan apparatus opens up to provide a 360 degree arc to move air currents towards the face. The uniqueness and benefits of this folding hand fan include: the fan folds down to fit in a woman's purse or pocket; the fan inserts can be changed to match different clothes by removing one insert from the handle and replacing it with another fan insert; the fan handle fits comfortably into a woman's hand and is ergonomically correct; and the fan inserts are made of: (1) fabric reinforced with sizing; or (2) paper reinforced with sizing. The materials for the fan handle may be made from a group of a suitable laminated wood, metal or plastic.