Will you be sentenced to refund after defrauding insurance?

Suspected of fraud, if fraud has been completed, it constitutes fraud, and returning stolen goods to obtain the victim's understanding as a sentencing circumstance of lighter punishment, the case-handling organ will refer to it, but it will definitely be exempted from punishment. Insurance fraud involves an amount of 10 thousand, which constitutes the crime of insurance fraud. If a criminal suspect voluntarily returns stolen goods after the crime, the court may reduce the punishment, and if he shows other repentance, he may be exempted from punishment.

First, how to prevent insurance fraud

1, it is necessary to strengthen the publicity of insurance principles, basic principles and insurance legal system.

2. In view of the * * * nature of insurance fraud, insurance companies should strictly implement the principle of good faith of insurance real-name registration system and truthful disclosure when underwriting.

3, improve the internal monitoring mechanism of insurance companies, strict management, beware of negligence insurance companies to establish underwriting audit system.

4. Severely crack down on insurance fraud. The insurance industry, judicial organs and government departments at all levels should attach great importance to and severely punish fraudulent criminal activities according to law.

5. Establish and open the insurance anti-fraud information system platform, establish and improve the reporting system, and concentrate the strength of the industry to crack down on fraud crimes.

Two, the common methods of fraud insurance fraud are as follows:

1. Property policyholders deliberately fabricated the subject matter of insurance to defraud insurance money. The subject matter of insurance refers to the material wealth and related interests, human life, health or related interests as the subject matter of insurance. Deliberately fabricating the subject matter of insurance refers to deliberately fabricating the non-existent subject matter of insurance when concluding an insurance contract with the insurer. I thought I would fabricate an insurance accident to defraud the insurance money in the future.

2. The applicant, the insured or the beneficiary fabricates false reasons for the insured accident or exaggerates the degree of loss to defraud the insurance money. As stipulated in the insurance contract, the insurer shall only bear the insurance fraud liability for the insured accidents caused by reasons within the scope of insurance liability.

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. This refers to man-made insurance accidents during the insurance contract, resulting in property losses, in order to defraud insurance money.

5. The insured or beneficiary intentionally causes the death, disability or illness of the insured to defraud the insurance money. This refers to the act of deliberately using illegal means to defraud insurance money and create compensation conditions in personal insurance, resulting in casualties or diseases of the insured.

Legal basis: Article 266 of the Criminal Law of People's Republic of China (PRC) defrauds public or private property, and if the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; 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 or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.