保险欺诈及其防范（Insurance fraud and its prevention）.docVIP

保险欺诈及其防范（Insurance fraud and its prevention） Insurance fraud and its prevention Author: Lu Aiqin Generally speaking, insurance fraud is also called insurance crime. Strictly speaking, insurance fraud is more widespread than insurance crime. Insurance parties may constitute insurance fraud. Where the insurance the insured party does not comply with the principle of good faith, deliberately concealing the truth about the subject matter of the insurance, the insurer to underwriting, or use of the contents of the insurance contract, or deliberately fabricated insurance accident caused damage to the insurance company, the insurance payment for payment, the insured is fraud. Where an insurer in the lack of necessary solvency or unauthorized operations, and the development of insurance clauses and insurance rates opportunities, or exaggerated insurance coverage, induced by cheating the insured and the insurer is fraud. Once the insurance fraud has been carried out, it will inevitably cause harmful results, and it is necessary to take strict precautions against it. First, the existence of insurance fraud Insurance is an economic loss compensation system and a personal injury payment system, which combines social assistance with science and technology. It is the stabilizer and shock absorber of modern society. This system is people spontaneously in the social practice of creation, is an effective way to deal with all kinds of people can not rely on the power loss of resistance to natural disasters, accidents, and people in the use of modern scientific and technological achievements and the law of large numbers, such as the rule of probability and average law, the connotation of the scientific nature is full of vitality. Today, the insurance system has been through 600 years of development and improvement process, itself is quite complete. But why is there a downside to insurance fraud? One of the reasons is that the bad motives make use of the special nature of the inherent