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In 1979, with the approval of the State Council, the People's Insurance Company of China resumed its domestic insurance business in an all-round way from 1980. Over the past 20 years, my country's insurance industry has developed rapidly, and China's insurance market has become the most promising in the world. market. However, in recent years, China's booming insurance industry is encountering more and more risks of fraudulent claims. For insurance companies, fraudulent claims have become the "second killer" besides natural disasters and accidents. Fraudulent claims: a "cancer" in the insurance industry. Insurance claims fraud first originated from life insurance in the United Kingdom. Now it has evolved into the number one public hazard threatening the world's insurance industry and is a lingering "shadow" of insurance companies. Even in more mature insurance markets, large-scale and organized insurance fraud is common. In economically developed countries, due to the widespread popularity of insurance, the technology of insurance fraud has become more sophisticated and more covert. Numerous insurance fraud claims have evolved into a complex business operation. In the United States, where the insurance industry is developed, insurance crimes are second only to drug crimes, and 15 to 30 percent of insurance claim expenditures often fall into the hands of claim fraudsters. After the "9·11" incident, fraudulent claims incidents emerged one after another, causing major insurance companies to worry a lot. In our country, although there is a lack of specific statistics on insurance fraud experienced by the entire insurance industry, many people in the industry believe that the phenomenon of fraudulent claims is increasing. According to incomplete statistics, at least 20% of various types of insurance compensation paid by Chinese commercial insurance companies were defrauded by malicious insurance customers. More and more facts show that fraudulent claims are an increasingly serious threat to the operating income of insurance companies. According to relevant statistics, at present, the average compensation expenditure caused by insurance companies due to fraud is about 10 to 30% of the premium income, and some insurance types can reach as high as 50%. A large number of organized fraudulent claims not only place a heavy burden on insurance companies, but also pose a great threat to people's property safety. Life insurance industry: The agencies are counting on a series of murders. Marx once said that if there is a profit of 300, some people will take risks and dare to risk the gallows. Due to the separation between the underwriter and the insurance bid of insurance products, some people will use any means to exploit the loopholes. In order to defraud the insurance money, they will even bet their own lives, and even seek money and murder, leading to one murder after another. A man in Huadu, Guangzhou never dreamed that his wife would "quietly" buy him an accident insurance policy with an insured amount of more than 1 million yuan. In order to defraud the insurance, his wife Deng Xiuqiong, whom he had been with day and night, would actually have murderous intentions. In December 2003, the Guangzhou Intermediate People's Court sentenced Deng Xiuqiong and Mao to death for intentional homicide and insurance fraud. Deng and her husband Zeng had a bad relationship after their marriage. Deng bought life insurance and accident insurance for Zeng for three consecutive years, with a cumulative death benefit of RMB 1.05 million. At the end of 2002, Deng felt that the time had come and decided to kill Zeng for defrauding insurance money, and then found Mao to commit the crime. On the evening of January 2, 2003, Deng Xiuqiong and Mao tricked Zeng into drinking tea that they had put sleeping pills in. Zeng fell into drowsiness due to the drug, so Deng and Mao pushed Zeng into the fish pond, causing Zeng's death. On January 24, 2003, before landing on a Sichuan Airlines passenger plane from Chongqing to Chengdu, a criminal suspect detonated a can filled with explosives. The suspect was injured. No passengers or crew were injured, and the interior of the aircraft was damaged. According to police investigation, Zhao's motive for blowing up the passenger plane was to defraud high aviation insurance compensation through self-harm. Zhao bought aviation insurance with a compensation amount of 400,000 yuan before taking the flight in an attempt to defraud the insurance. After the incident, he confessed that he saw a TV station report about the increase in passenger aviation insurance compensation from 200,000 yuan to 400,000 yuan, and then came up with the idea of ??blowing up the plane and damaging himself to defraud the insurance money. On March 15, 2003, a vicious case occurred in Shuangliu County, Sichuan Province, in which a stand-in was killed and disfigured in an attempt to defraud 1.5 million yuan in insurance premiums. 37-year-old Gao has purchased several personal accident insurance policies for himself from four insurance companies since the second half of 2002, with a total insured amount of up to 1.5 million yuan. On March 10, 2003, Gao saw a woman who was looking for a job and had similar height and physical features to him, so he took her home to work as a nanny. The next day, Gao took the nanny to a barber shop to get a haircut similar to his own, and asked the nanny to change into his own clothes.

On March 15, Gao took his nanny and drove a borrowed Alto to a rural road in Shuangliu County and killed him. He then ran over the deceased's head with the car until he was unrecognizable, and took his ID card and address book. The other stuff was stuffed into the nanny's pocket, creating the illusion of his own death. Gao later confessed that the purpose "was to obtain a huge compensation payment from the insurance company." In July 2003, the Jiaozuo City Intermediate People's Court sentenced Qian Juping, a peasant woman, to death for intentional homicide, insurance fraud and theft, and was deprived of political rights for life. In January 2000, Qian applied for a personal accident insurance for her father-in-law in the name of her husband Chang. In order to defraud the insurance money, she put the "poisonous rat strong" prepared in advance into her father-in-law's rice bowl during dinner on August 23 of the same year, causing his father-in-law to be poisoned and died on the spot. Later, he defrauded 33,256 yuan of insurance money through his connections. Later, Qian accidentally told Chang, a farmer from the village with whom he had an ambiguous relationship, about this, and Chang used this to blackmail Qian Juping and demand money from Qian. In order to kill someone and silence him, Qian invited Chang to his home on the evening of July 6, 2002, and put "poisonous rat poison" in Chang's wine, causing Chang to be poisoned and died. On the afternoon of September 5, 2003, the Beijing Chaoyang Criminal Investigation Detachment received a report from a young girl: her mother had been stabbed dozens of times and died at home. After police investigation, it was found that the murderer was the girl's stepfather Cheng. In order to defraud insurance, Cheng applied for three personal accident insurance policies for Wang Min on the day after he and Wang Min received their marriage certificate two months ago, and the beneficiaries were all Cheng. If Wang Min dies, Cheng can receive a compensation of up to 2 million yuan. After the insurance was taken care of, Cheng began to plan how to kill Wang Min. At about 9 a.m. on September 3, Cheng hired a killer to kill Wang Min. After committing the crime, the two fled the scene. At 8 p.m. on December 28, 2003, the Shangluo City Public Security Bureau received a report from a farmer named Wei from Xiawan Village, saying that at about 7 p.m. that night, he was driving his agricultural tricycle to exchange food with his wife when he was robbed by three gangsters on his way back. He was stoned to death and the gangsters fled the scene. According to police investigation, the murderer was none other than the deceased's husband, Wei. Due to the long-term discord between the couple, Wei had the evil intention of killing. Two months before killing his wife, Wei bought nearly 200,000 yuan of life insurance for his wife in an attempt to "kill two birds with one stone." Unexpectedly, it backfired. ...Vehicle insurance: the "hardest hit area" for fraudulent claims. Judging from the actual situation of the current insurance market, motor vehicle insurance is not only the "leader" in the property insurance market, but also the "hardest hit area" for fraudulent claims. Since insurance is a kind of risk compensation, you can get dozens or even hundreds of dollars in insurance benefits for one dollar of premium. Some people go to great lengths to make a fuss about this, and many of them have made a fortune by defrauding insurance payments, so much so that "fraudulent insurance" Freaks like "professional households" continue to emerge. The 39-year-old Ding was originally an employee of a company in Wuhan. From 1998 to 2001, he found several drivers as "partners". He first asked the drivers to report false cases, and then used fake certificate dealers to forge information. He single-handedly planned 22 cases. "Traffic accident", defrauding car insurance compensation of more than 430,000 yuan. One of the cars had insurance fraud four times in a row, requiring the insurance company to pay compensation once every two or three months on average, but it was the same insurance company that was defrauded. In June 2003, the Hefei Municipal Procuratorate accepted an inter-provincial fraud case. In April 2002, the criminal suspect Xie purchased a Buick commercial vehicle. He insured the vehicle with 19 insurance companies in Shenyang, Changchun, Jinan, Hefei, Nanjing and other places. According to the trial of the public security department: Since June 2002, Xie drove this car many times in Liaoning, Jilin, Jiangsu, Anhui, Zhejiang, Yunnan and other places to use "accidents" to fabricate different false reasons and provide false accident certification materials. , car maintenance invoices, etc. made claims to these 19 insurance companies. The police committed 48 crimes and defrauded insurance premiums of more than 497,000 yuan. After the incident, the police found more than 200 fake seals from Xie's home, ranging from traffic police departments to auto repair shops to parts stores. The Wang brothers in Beijing took advantage of the convenience of running a car repair shop. In three years, they "directed" more than 90 traffic accidents and defrauded insurance companies of more than 500,000 yuan.

The insurance industry is facing a "cold wave" of insurance fraud