Public security organs in Shijiazhuang released five common insurance fraud methods.

First, in the name of "buying insurance and loans", consumer loan fraud is implemented. Fraud: Criminals fraudulently use the name of a well-known loan platform, forge a fake platform APP, send short messages claiming that they can provide loans, and induce consumers to download fake loan platforms. When consumers apply for loans, criminals induce consumers to pay a lot of "insurance" fees on the grounds that "insurance products need to be insured and pay premiums to get loans" or "a high proportion of premiums can be returned after paying premiums" to achieve the purpose of fraud. Second, "high-interest" products are hidden scams: some criminals use the Internet platform to fabricate insurance products or insurance projects, or promise high returns to induce consumers to invest, often suspected of illegal fund-raising, causing economic losses to consumers. 3. Fraud in the name of personal information was fraudulently used to handle social security cards and was suspected of committing a crime. Fraud: criminals pretend to be employees of insurance companies, falsely claiming that someone fraudulently uses the identity information of insurance consumers to apply for social security cards in other places and buy illegal drugs, which violates national laws and regulations; And pretending to be an insurance consumer, providing false telephone numbers of public security organs for their complaints, and then pretending to be a public security organ to trick insurance consumers into transferring funds to the so-called "public security organ account" for preservation. 4. Cheat the postage in the name of giving back to customers for mailing gifts. Fraud: The criminals pretend to be the staff of the insurance company, falsely claiming that the insurance company is holding a customer feedback activity, and in the name of mailing gifts to insurance consumers, they are tricked into remitting a certain amount of postage. 5. The bank ATM conducts telecom fraud in the name of insurance claims: pretending to be the staff of the insurance company, tricking insurance consumers into going to the bank ATM to operate according to SMS or telephone instructions in the name of supplementing insurance claims data or paying insurance claims quickly, and transferring account funds; Or lie that the insurance company needs to operate under the English interface of ATM to induce the insurance consumer to input the verification code (actually the transfer amount) to transfer funds from the account. 6. Pretending to be an insurance regulatory agency to commit fraud: criminals pretend to be a branch of the China Banking Regulatory Commission or a staff member of the Insurance Regulatory Bureau of the Bank to inform insurance consumers by telephone that an insurance company's policy is overdue, or that the policy pledged loan handled by an insurance company's business organization in a certain month of the year has not been repaid on time (the insurance consumer may not have actually insured in the insurance company); What's more, it claims to clean up the business according to the requirements of the regulatory authorities, collect the list of customers who pay or repay overdue, and threaten that their rights and interests will be seriously affected if they don't pay or repay on time, requiring insurance consumers to transfer money according to their guidelines. Article 88 of the Social Insurance Law stipulates that if a person obtains social insurance benefits by fraud, forgery of certification materials or other means, the social insurance administrative department shall order him to return the social insurance benefits obtained and impose a fine of not less than two times but not more than five times the amount obtained. At the same time, according to the second paragraph of Article 27 of the Labor Security Supervision Regulations, if defrauding social insurance benefits or social insurance fund expenditures constitutes a crime, criminal responsibility shall be investigated according to law. Article 174 of the Insurance Law stipulates that if the applicant, the insured or the beneficiary commits one of the following acts and commits insurance fraud, which does not constitute a crime, he shall be given administrative punishment according to law: (1) the applicant deliberately fabricates the subject matter of insurance to defraud the insurance money; (2) fabricating an insurance accident that never happened, or fabricating a false cause of the accident, exaggerating the degree of loss, and defrauding insurance money; (3) Deliberately causing an insurance accident and defrauding insurance money. According to Article 56 of the Provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the Standards for Filing and Prosecuting Criminal Cases under the Jurisdiction of Public Security Organs (II), if insurance fraud is involved, it shall be filed for prosecution under any of the following circumstances: (1) individuals commit insurance fraud with an amount of more than 10,000 yuan; (two) the unit engaged in insurance fraud, the amount of more than fifty thousand yuan. Article 198 of the Criminal Law stipulates that anyone who participates in insurance fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan or his property shall be confiscated: (1) The applicant intentionally fabricates the subject matter of insurance to defraud the insurance money; (2) The applicant, the insured or the beneficiary fabricates false reasons or exaggerates the losses of the insured accident to defraud the insurance money. (3) The applicant, the insured or the beneficiary fabricates an insurance accident that has never happened to defraud the insurance money; (4) The applicant or the insured intentionally causes an insurance accident that causes property losses and defrauds the insurance money; (5) The applicant or beneficiary intentionally causes the death, disability or illness of the insured to defraud the insurance money. Whoever commits the acts listed in Items 4 and 5 of the preceding paragraph, which constitutes other crimes, shall be punished in accordance with the provisions of combined punishment for several crimes. If a unit commits the crime mentioned in the first paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years. If an appraiser, witness or property appraiser intentionally provides false documents to provide conditions for others to cheat, he shall be punished as * * * insurance fraud.