In 1979, approved by the State Council, the People's Insurance Company of China from 1980 to fully resume the domestic insurance business, more than 20 years, China's insurance business is developing rapidly, China's insurance market has become the world's most promising market. However, in recent years, the booming Chinese insurance business is encountering more and more risks of fraudulent claims, fraudulent claims of insurance companies, natural disasters and accidents other than the "number two killer". Fraudulent claims: a "tumor" in the insurance industry Fraudulent insurance claims, which first originated from life insurance in the United Kingdom, has now evolved into the number one public health hazard threatening the world's insurance industry, and is a lingering "shadow" for insurance companies. Even in the more mature insurance market, large-scale, organized insurance fraud is not uncommon. In economically developed countries, due to the widespread popularity of insurance, insurance fraud technology is also more clever, more covert, many insurance fraud has evolved into a complex business operations. In the United States, where the insurance industry is developed, insurance crime is second only to drug crime, and 15% to 30% of the expenditures on insurance claims tend to fall into the hands of fraudulent claimants. After the "9-11" incident, fraudulent claims have been occurring in an endless stream, causing major insurance companies a great deal of headache. In China, although there is a lack of specific statistics on the insurance industry as a whole encountered fraudulent insurance, but many industry insiders believe that fraudulent claims phenomenon is tending to increase. According to incomplete statistics, at least 20% of the various types of insurance compensation paid by Chinese commercial insurance companies have been cheated by malicious insurance customers. More and more facts show that fraudulent claims are becoming an increasingly serious threat to the operating income of insurance companies. According to relevant statistics, at present, the average expenditure of insurance companies on claims due to fraud is about 10% to 30% of premium income, and up to 50% for certain insurance types. A large number of organized fraudulent claims, not only to the insurance company to bring a heavy burden, but also to the people's property safety has brought a great threat. Life insurance industry: the organization of blood case after blood case Marx once said, if there is 300% profit, there will be people desperate, dare to risk the gallows. Due to the characteristics of insurance products insurer and insurance substrate is separated, some people will do whatever it takes to exploit the loopholes, in order to fraudulent insurance even at the risk of taking their own lives as a gamble, and even murder of property, resulting in a bloodbath one after another. Huadu, Guangzhou City, a man did not dream that his wife had "quietly" for him to buy the insurance amount of more than 100 million yuan of accident insurance, in order to cheat the insurance, the wife of the night and day Deng Xiuqiong even got up to kill. 2003 December, Guangzhou Intermediate People's Court sentenced Deng Xiuqiong and Mao Mou to death for the crime of intentional homicide and insurance fraud. Deng and her husband, Zeng, had a bad relationship after marriage. Deng bought life insurance and accident insurance for Zeng for three consecutive years, with a cumulative death benefit of RMB 1,050,000. at the end of 2002, Deng felt that the time had come and decided to take out Zeng's fraudulent insurance, and then found Mao to commit the crime together. on the night of January 2, 2003, Deng Xiuqiong and Mao tricked Zeng into drinking tea that they had put in place with sleeping pills beforehand, and when Zeng fell asleep because of the drug seizure, Deng and Mao pushed Zeng into the fish pond, causing Zeng's death. January 24, 2003, Sichuan Airlines, a passenger plane from Chongqing to Chengdu before landing, a suspect detonated canisters filled with explosives, the suspect was injured, passengers and crew were no casualties, the internal damage to the aircraft. After police investigation, Zhao bombing airliner motive is to try to self-inflicted injuries to cheat high aviation insurance payout. Zhao Mou before the plane bought the compensation amount of 400,000 yuan of aviation insurance in order to implement fraudulent insurance. After the crime, he explained to see the TV station reports about the passenger aviation insurance payout from 200,000 yuan to 400,000 yuan of news, so the idea of blowing up the plane self-inflicted injuries to cheat the insurance money. March 15, 2003, Shuangliu County, Sichuan Province, occurred in a kill body double, disfigurement, attempting to cheat 1.5 million yuan of premiums of the vicious case. 37-year-old Gao Mou from the second half of 2002, he purchased several personal accident insurance for himself in four insurance companies. Gao Mou bought several personal accident insurance for himself since the second half of 2002 in four insurance companies, with a total coverage of up to 1.5 million yuan. on March 10, 2003, Gao Mou saw a woman looking for a job with height and physical characteristics similar to his own, and brought her home to be a babysitter. The next day, a high nanny to the barber store to make a hairstyle with their own, and let the nanny put on their own clothes. March 15, a high nanny with a borrowed Alto car driving to Shuangliu County, a country road to kill, and with the car rolled over the head of the deceased, until the face is completely different, and will be their own identity cards, address books and other things into the nanny pocket, creating the illusion of their own death. Gao explained later, the purpose "is to get the insurance company's huge payout." In July 2003, Jiaozuo Intermediate People's Court sentenced farmer's wife Qian Juping to death for the crime of intentional homicide, insurance fraud and theft, depriving her of political rights for life. 2000, January, Qian in the name of her husband, Chang Mou, for his father-in-law to apply for a personal injury insurance. accident insurance policy for her father-in-law. In order to obtain the insurance money, on August 23 of the same year, during dinner, she put "poisonous rat poison" into her father-in-law's bowl of rice, which resulted in the death of her father-in-law by poisoning on the spot. Later, through the relationship fraudulent insurance premiums 33,256 yuan. Afterwards, Qian Mou inadvertently told his relationship with the ambiguous village farmer Chang Mou, and Chang Mou will be used to blackmail Qian Juping, to Qian asked for money. In order to kill to silence, the night of July 6, 2002, the thousand will be invited to their own home, in the often a wine into the "poisonous rat", resulting in the poisoning of the often a death. September 5, 2003 afternoon, the Beijing Chaoyang criminal investigation detachment received a report of a young girl: her mother was shot dozens of knives in the home death. After police investigation, the murderer is the girl's stepfather Cheng Mou. In order to fraudulent insurance, Cheng Mou in two months ago and Wang Min received a marriage license the day after the day for Wang Min for three personal accident insurance, the beneficiary is Cheng Mou. If Wang Min died, Cheng would be able to get up to 2 million yuan in claims. After the insurance is done, Cheng began to plan how to take out Wang Min. 9:00 a.m. on September 3, Cheng hired killers to kill Wang Min, after the two fled the scene. 8:00 p.m. on December 28, 2003, Shangluo City, public security organs received a report from the next Bay Village farmers Wei Mou, said that at 7:00 p.m. on the night of the evening, he drove his own family's agricultural tricycle and his wife for food on the way back to the encounter with the three thugs robbed, his wife was stoned, the thugs fled the scene. The criminals fled the scene. According to the police investigation, the murderer is the husband of the deceased Wei Mou, because the husband and wife of the two long-term relationship, Wei Mou produced murderous ideas. In the two months before the murder of his wife, Wei bought his wife nearly 200,000 yuan of life insurance, in an attempt to "kill two birds with one stone", did not expect, botched. ...... vehicle insurance: fraud claims "hardest hit" from the actual situation of the current insurance market, motor vehicle insurance is not only the property insurance market, "leading", but also fraud claims The "hardest-hit area". As insurance is a risk compensation, spend a dollar of premiums can get dozens or even hundreds of dollars of insurance, some people dig in this article, there is no lack of fraudulent insurance and become rich, so "fraudulent insurance professionals" such freaks continue to emerge. 39-year-old Ding was originally a company in Wuhan City, Wuhan, from 1998 to 2001, he sought to find the best insurance company, and the most important thing is that the insurance company is not a company. From 1998 to 2001, he found a few drivers as a "partner", first let the driver to report a false case, and then through the fake card dealer forged information, single-handedly planned 22 "traffic accidents", fraudulent car insurance claims more than 430,000 yuan. One of the car for four consecutive insurance fraud, an average of two or three months to the insurance company to pay once, but was cheated by the same insurance company. 2003 June, Hefei City Procuratorate accepted a cross-provincial fraud. 2002 April, the suspect Xie Mou purchased a Buick commercial vehicles, he was in Shenyang, Changchun, Jinan, Hefei, Nanjing and other places, 19 insurance companies for the car insurance. According to the public security department hearing: since June 2002, Xie driving this car many times in Liaoning, Jilin, Jiangsu, Anhui, Zhejiang, Yunnan and other places to use the "accident", make up different false reasons, and provide false accident materials, car repair invoices to the 19 insurance company claims, **** 48 cases, fraudulent insurance premiums of more than 497,000 yuan. Insurance premiums more than 497,000 yuan. After the case, the police seized more than 200 fake seals from Xie's home, ranging from traffic police departments to auto repair shops to parts stores. Beijing Wang brothers use their own car repair shop convenience, in 3 years, has "directed" more than 90 traffic accidents, to the insurance company fraud insurance more than 500,000 yuan. Usually the first repair shop to repair certain parts of the vehicle to be replaced with old or waste, and then drive out of the collision fraud premiums, and then finally replaced the original parts, other people's vehicles to be repaired to become a "show" props, in order to be true, they often hit their heads, and even risked taking a life. The increase in motor vehicle insurance fraud cases often puts insurance companies in an embarrassing dilemma. According to reports, Nanjing insurance companies from the second half of 2003 on less insurance or even do not insure the cab insurance, in 2004 simply stopped the cab insurance, and even third-party liability insurance, the mandatory insurance is not done, the insurance company's move to the many cab owners in Nanjing worried, because not insured third-party liability insurance is not over the annual inspection off. Nanjing currently has nearly 8,000 cabs, each vehicle insurance premium of about 5,000 yuan a year, in the face of such a "fat meat", the insurance company is helpless. According to insurance industry insiders, the reason is that the cab insurance payout is too much, and the relevant departments in the issuance of insurance claims necessary proof of the accident and the material arbitrariness, objectively condone the malicious fraudulent claims. It is revealed that the average payout rate of cab insurance has reached 130%, of which the payout rate of individual cabs is as high as 200%, for cab insurance, insurance companies are almost operating at a loss. According to experts in the insurance industry, motor vehicle insurance fraudulent means are summarized in the following points: fabrication of false cases. The policyholder in the case of the insurance vehicle did not have an accident, intentionally fabricate or create a dangerous situation, and then to the insurance company to claim. Heilongjiang Province, a "master of cheating", with the insurance regulations and related compensation business is familiar with, since 1998 to 2002, 5 years "lost" 5 insured limousines, from the local insurance company fraudulent compensation of nearly one million dollars! Usually buy a car to the insurance company to put down a huge amount of insurance, and then in his driver drove out to do business, he quietly followed behind, the driver stopped the car and left the car after he used his own key to open the door, the car will be stolen and sold, and then let the driver to go to the police, he went to the insurance company to make a claim. Low value high insurance. When insured intentionally so that the amount of insurance greatly exceeds the actual value of the subject matter, deliberately insured and then claim to the insurance company to insure the amount of insurance. Chongqing Jinmou with 70,000 yuan to buy an old "Peugeot" car, and then to the insurance company for 150,000 yuan of insurance, and the addition of "spontaneous combustion" insurance. After a period of time, thinking that the time is ripe, the car will be driven to a remote place, splashed with fuel and then take a lighter to ignite, creating a "spontaneous combustion" scene, and then to the insurance company to claim compensation. Multiple insurances. The same car is insured in many places, once the insurance will be at the same time to more than one insurance company to claim, or intentionally create a dangerous situation to the insurance company to claim. 2003 January 21, the early morning, Fujian Province, Quanxia Expressway, a "Mercedes-Benz" 500-type sedan rushed into the guardrail "spontaneous combustion" burned. "It burned down. After investigation, this is a case of intentionally creating a dangerous situation, in order to fraudulently obtain the insurance premiums. June 16, 2002 and the end of December 2002, the owner of the car Xie Mou in Fujian Province, two cities of the insurance company of the car insured for 1.43 million yuan. On the day of the incident, Xie called the insurance companies in the two cities to report the incident and file the corresponding claims. Even more bizarre, the same car, the same accident, but has been claimed 34 times in 10 insurance agencies, fraudulent insurance amounted to 1.41 million yuan. Increase the risk of loss. The policyholder or the insured for the occurrence of traffic accidents, deliberately exaggerate the degree of loss, so as to get more insurance compensation. Some repair shops even intentionally increase the insurance loss. The general situation is that the owner of the car will be placed in the repair shop left, the repair shop will report the car for repair of the second impact, so that the original loss of a few hundred dollars, the repair shop can be reported to the insurance company to a few thousand dollars or even higher. And the owner knows nothing about this, the owner is often a small head, and the repair shop is hard to "slaughter" a insurance company. Shift the flowers and wood. The subject of insurance should be unique, specific, some people in order to fraudulently obtain insurance compensation, often take the "transfer" means. Such as Li did not have a driver's license, traffic accidents, they will look for a driver's license Ren Mou to replace, find the insurance company to claim. Insurance after the insurance. That is, in the case of motor vehicles have been hit or suffered losses, conceal the truth to the insurance company, and then fraudulently obtain insurance compensation by way of claims. A body driver in Feixiang County, Hebei Province drove a truck in a car accident. In order to achieve the purpose of fraudulent compensation, the driver to make up the insurance procedures, and then a few days later to the People's Insurance Company of China Feixiang Branch reported. The good thing is that the insurance company investigated and uncovered the scam. Curb fraudulent claims: where to go? Insurance fraud is a more complex, difficult to eradicate the problem, for a long time, people are accustomed to the assistance of the judiciary in the hope of curbing this phenomenon, but the results are not satisfactory. In the face of such a "persistent", we must take a multi-pronged approach, comprehensive management can be effective. Build "regular army" and "local forces" combined preventive mechanism. It is reported that in recent years, around the establishment of a number of direct services to the insurance business investigation organization. For example, the "Insurance Company Detective Office" and "Insurance Liability Judicial and Technical Appraisal Office" of Suizhou City Insurance Company in Hubei Province, Shanghai's Anda Insurance Security Service Co. "Business Investigation Agency, etc., its function is to accept the insurance company entrusted to investigate the insurance claims in the doubt, not only for the insurance company claims to clarify the basis of the case, but also for the public security, judicial and other organs to punish the crime to do a good job of the preliminary investigation and evidence collection work. According to "Chongqing Economic News" reported that in June 2003, Chongqing, a property insurance company's boss suspected that marketers and customers secretly collusion "eat" the company, they commissioned a business survey organization to investigate, after a few unannounced visits, the survey company reported that marketers and vehicle repair shops inflated fixed loss "catty! "As a result, the insurance company only paid 500 yuan for the investigation fee to immediately plug the loophole. A life insurance company has received a report of accidental death of the insured, despite the payment of high compensation, but the insurance company felt that there is something strange, and then commissioned an investigation company to investigate. The private investigator was able to open a gap from a distant relative of the insured and confirmed the truth that the insured had brutalized his sister to cheat the insurance money. It has been shown that these organizations do play an important role in preventing and curbing insurance fraud. Anti-fraud, especially insurance fraud, has been listed as an independent crime by many countries, it is separated from the general fraud crime, there are special organizations or investigative agencies, information centers, etc. involved in prevention. At present, China urgently needs to develop this kind of non-governmental investigative agencies, those things that the government can not manage, not good to these organizations to do, which not only makes up for certain deficiencies in government agencies, reducing the pressure on the judiciary, but also conducive to the prevention of insurance fraud cases. Accelerate the construction of insurance information network, increase the scientific and technological content of insurance anti-fraud. It is imperative to break down the information barriers between the insurance companies, the implementation of customer insurance information networking, to realize the information *** enjoy, resource *** enjoy. To vigorously develop the use of similar bank credit customer inquiry system, the public security organs online fugitive system policyholder information query system, a customer insured in the A insurance company or have a bad record, the B insurance company will be able to find online, so as to avoid duplication of insurance, multiple claims and other issues. Establish a "blacklist" system for the insurance industry as soon as possible. The "blacklist" system is one of the main measures adopted by the international insurance companies to prevent the risk of insurance fraud, and at present, insurance companies in many provinces and cities in China have also implemented the insurance "blacklist" system, in which certain customers or relevant units are included in the "blacklist" once. Once certain customers or related organizations are included in the "blacklist", they will become risky customers for key monitoring. For example, Beijing has carried out key monitoring of automobile garages with high insurance rates and poor reputations; in 2003, 11 property and life insurance companies in Tianjin negotiated to establish a risky customer database, in which each insurance company recorded the units and individuals with bad records of insurance fraud for reference by other insurance companies when underwriting and settling claims. Insurance companies will be particularly cautious in underwriting insurance policies if they find that their clients have committed fraud with other insurance companies, and they may raise their charges, impose harsh conditions or refuse to underwrite insurance policies. Disseminate to the public the correct knowledge of insurance and the legal liability for fraudulent claims. Some people have a one-sided understanding of insurance, believing that taking out an insurance policy can generate wealth, and that insurance is just like gambling or a way to get rich quick, and thus they will go for desperate measures. Therefore, it is necessary to strengthen the popularization and publicity of knowledge of insurance laws and raise the insurance awareness of all people. In carrying out insurance business, the insurance company has the obligation to make clear to customers the obligations of the insurer and the insured party and the legal responsibility to be borne, to enhance the customer's legal awareness and compliance with the law, strict compliance with the conscientiousness, to fundamentally reduce the likelihood of insurance fraud. The insurance industry encountered fraudulent insurance "cold current" high song

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