Analysis of the Current Situation and China's Insurance Fraud Prevention An overview of insurance fraud 1 The meaning of Insurance Fraud Insurance fraud， including two aspects: on the one hand， the insured party's insurance fraud and insurance side of insurance Unilateral non-compliance with the insured in good faith， intentionally concealed the true subject of the insurance situation， induces insurers underwriting， or use the contents of the insurance contract， intentional manufacture or fabrication of insured damage caused by the insurance company to obtain insurance payments for payment， an insurance party fraud; on the other hand， insurance companies， employees and agents of the business and claims for self-serving， or to obtain more business fees or payments to the insurance payments income pockets， while the induction of cheating policyholders and the insured person is an insurance 2 Characteristics of insurance fraud Extremely subtle First of all， the insurance contract as insurance fraud by a party or related person， and the insurers of insurance existed between the legal contractual relationship， so the insurance fraud is often overshadowed by legitimate insurance contracts is difficult to arouse suspicion of the public and the insurer ; Second， the insurance business objects related to all areas of social and economic life insurance policyholders who are not on every detail of the investigation; again， insurance fraud and to implement the insurance fraud is most Not only within the validity period of the contract in the implementation of the insurance fraud， insurance contract entered into before and can be implemented when Fraud is fraud， because after a long period of meticulous person and careful planning， insurance， even if found， it is difficult to gather evidence relating to insurance A serious social crisis of Insurance fraud is not only violating the legitimate rights and interests of the insurer， but also the entire community property， serious assault， more importantly， the safety of others also constitutes a grave In life insurance， some policyholders， the beneficiaries， to seek huge insurance， risked， intentionally killed the insured， causing great harm to To this end， the provisions of national laws except those of civil insurance fraud， but also provides for criminal liability of the insurance 3 The manifestation of insurance fraud Insurance fraud in different forms， according to the specific situation of insurance fraud， which can be summarized as follows: Create a false impression， the loss of "conversion" as the insured losses This is the most common form of an insurance Primarily when the insured property does not participate in after suffering the loss， fraud， often trying to be "transformed" as the insurance targets， and to provide false evidence for the claim to the If someone's a "Dongfeng" brand trucks are not insured， but after the accident to shift into another one of its insured's motor vehicle license， and put on the expansion issue of spraying a car license plate， attempting to achieve real ones， grafting of In addition， the subject matter when the insured losses caused by the exclusion， the insured person to provide false evidence will usually try to transform them into place within the insurance loss insurance Excess insurance Insurance is the insurance policy holders over the insurance amount is higher than the actual value of the subject matter insured， occurs mainly in the property Because in life insurance， the person's life and his body is not measured by money and there is no excess Use of excess insurance policyholders in the form of fraud is mainly exaggerated the actual value of the insurance subject to a number of others as their own property， the property insured， or falsely claimed custody of a person entrusted with some valuables， and provide false evidence and proof to the insurance when the accident occurred， the subject matter insured for more than the actual value of insurance Repeat Insurance Duplicate insurance is the insurance the insurer on the same subject matter， the same insurance benefits， the same insured separately to two or more insurers to enter into insurance contracts of China's "Insurance Law" Article 40 does not prohibit double insurance， but requires repeated insurance insurance policyholders should be repeated to inform the insurer of the situation， and clearly defined， double insurance totaling more than the insured value， the insurer total amount of compensation shall not exceed the insured In addition to the insurance contract provides otherwise， the insurer and the insured amount in accordance with its proportion of the total amount of insurance As those who are deliberate fraud， the insurer on the situation of double insurance hard to find， it's fraud， fraud， higher rate of It should be noted that some duplication of insurance， the insured is not the result of intentional， but because of the insurance policy holders do not understand or to find the so-called "more insurance"， "double insurance" caused， which should be treated Questions added: False or exaggerated loss Loss is forged within the period of insurance， insurance， accident did not happen， however， the insured or beneficiary has deliberately fabricated false in many accidents， so that insurers believe the insurance accident has occurred， in order to gain insurance If any motor insurance policy holders， after secretly selling lied car stolen car， ask the insurer for Exaggerated loss refers to the insured property after the accident， the insured forgery， falsifying losses in an attempt to take advantage of a large The insured's false testimony in two main forms: first， through the relationship by issuing false certificates for the If an owner of the insured motor vehicle insurance， car accident， resulting in vehicle damage repair in the repair shop sent， through the relationship need not have the replacement part has to be replaced， expanded the scope of repair， increase the amount of Second， due to the insured himself to be altered the document， enhance the amount of This form of fraud more poor， easily found the insured， so clever fraud are generally rarely Forgery insurance and escape from danger time Insurer in the insurance period only because the subject matter insured caused insured losses of Some of the insured or the insured to defraud insurance， often taking time to counterfeit insurance and means of escape from If a taxi driver in his cab the day after the expiry of dangerous condition of the insurance， the insurance in order to obtain compensation， through the relationship， so that traffic police team award in the accident to happen in real time， two days in
