Approved by the State Council from 65438 to 0979, China People's Insurance Company fully resumed its domestic insurance business from 65438 to 0980. In the past 20 years, the insurance industry in China has developed rapidly, and the insurance market in China has become the most potential market in the world. However, in recent years, the booming insurance industry in China is encountering more and more risks of insurance fraud, which are blamed on insurance companies and become the "second killer" besides natural disasters and accidents. Fraud: a "cancer" in the insurance industry, which originated from life insurance in Britain, has now become the number one public hazard threatening the global insurance industry and the lingering "shadow" of insurance companies. Even in the mature insurance market, large-scale and organized insurance fraud is not uncommon. In developed countries, due to the widespread popularity of insurance, the technology of insurance fraud is more sophisticated and hidden, and many 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% ~ 30% of insurance claims often fall into the hands of fraudsters. After the "9. 1 1" incident, insurance fraud incidents emerged one after another, making major insurance companies nervous. In China, despite the lack of specific statistical data of the entire insurance industry, many people in the industry believe that the phenomenon of insurance fraud is increasing. According to incomplete statistics, at least 20% of all kinds of insurance compensation paid by commercial insurance companies in China are cheated by malicious insurance customers. More and more facts show that fraudulent insurance is increasingly threatening the operating income of insurance companies. According to relevant statistics, at present, the average compensation expenditure of insurance companies due to fraud is about 10% to 30% of premium income, and some types of insurance can reach up to 50%. A large number of organized fraud not only brings a heavy burden to insurance companies, but also poses a great threat to people's property safety. Life insurance industry: the authorities have counted many bloody cases. Marx once said that if there is 300% profit, some people will take risks and dare to take the risk of hanging. Due to the separation between the insurer and the pre-bid price of insurance products, some people take advantage of loopholes by any means, even risk their lives to defraud insurance money, and even kill people for money, resulting in one bloody case after another. A man in Huadu, Guangzhou, never dreamed that his wife had "quietly" bought him an accident insurance with an insured amount exceeding 1 10,000 yuan. In order to cheat insurance, Deng Xiuqiong, his wife who lived with him day and night, had a murder case. From June 5438 to February 2003, Guangzhou Intermediate People's Court sentenced Deng Xiuqiong and Mao to death for intentional homicide and insurance fraud respectively. Deng and her husband have never had a good relationship after marriage. Deng bought personal insurance and accidental injury insurance for three consecutive years, and accumulated death insurance benefits were 654.38 yuan +0.05 million yuan. At the end of 2002, Deng felt that the time had come and decided to kill Zeng on the grounds of defrauding insurance money, and then found Mao to commit crimes together. On the evening of June 5438+10/October 2, 2003, Deng Xiuqiong and Mao cheated them into the tea they had drunk sleeping pills in advance. Zeng fell asleep because of the drug, and Deng and Mao pushed Zeng into the fish pond, causing Zeng to die. On June 24, 2003, a passenger plane of Sichuan Airlines flew from Chongqing to Chengdu. Before landing, a criminal suspect detonated a jar full of explosives. The suspect was injured, but there were no casualties among passengers and crew, and the interior of the plane was damaged. After investigation by the police, Zhao's motive for blowing up the passenger plane was to try to defraud high aviation insurance claims by self-harm. Zhao took the opportunity to buy an aviation insurance policy that compensated 400,000 yuan before cheating. After the incident, he confessed to seeing the news on TV that the amount of passengers' aviation insurance compensation rose from 200,000 yuan to 400,000 yuan, and he came up with the idea of harming the bombers to defraud the insurance money. On March 5, 2003, a vicious case occurred in Shuangliu County, Sichuan Province, in which both bodies were killed and their faces were disfigured in an attempt to defraud the insurance money of/kloc-0.5 million yuan. Since the second half of 2002, 37-year-old Gao has bought several personal accident insurances for himself in four insurance companies, with a total insured amount of 1.5 million yuan. On March 10, 2003, Gao met a woman who was looking for a job. Her height and physical characteristics were similar, so she took her home as a nanny. The next day, Gao took the nanny to the barber shop to have the same hair cut as himself, and asked the nanny to change into her own clothes. On March 15, Gao took the nanny to a village road in Shuangliu County and killed him. Then he ran over the deceased's head with a car beyond recognition and stuffed the deceased's ID card and address book into the nanny's pocket to create the illusion of his death. Gao confessed afterwards that the purpose was to "obtain huge compensation from insurance companies". In July 2003, Jiaozuo Intermediate People's Court sentenced peasant women to death for intentional homicide, insurance fraud and theft, and deprived them of political rights for life. June 5438 +2000 10, Qian handled a personal accident insurance for his father-in-law in the name of her husband. In order to defraud the insurance money, at dinner on August 23 of the same year, she put the "tetramine" prepared in advance into her husband's rice bowl, causing her husband to die of poisoning on the spot. After that, I defrauded the insurance premium of 33,256 yuan through the relationship. Later, Qianmou inadvertently told Changmou, a farmer in the village who had an affair with him. Changmou used this to blackmail Qianmouping and ask Qianmou for money. On the evening of July 6, 2002, Qian invited Chang to his home and put "tetramine" into Chang's wine, causing Chang to die of poisoning. On the afternoon of September 5, 2003, Beijing Chaoyang Criminal Investigation Detachment received an alarm from a young girl: her mother died at home with dozens of knives. According to police investigation, the murderer is the girl's stepfather Cheng. In order to cheat insurance, Cheng handled three copies of personal accident insurance for Wang Min two months ago, and all the beneficiaries were Cheng. If Wang Min dies, Cheng Can can get a claim of up to 2 million yuan. After the insurance was completed, Cheng began to plan how to kill Wang Min. At 9 o'clock in the morning on September 3, Cheng hired a killer to kill Wang Min. After committing the crime, the two fled the scene. 65438 At 8 o'clock on the evening of February 28, 2003, Shangluo Public Security Bureau received an alarm from Wei, a farmer in Xiawan Village, saying that at 7 o'clock that night, he was robbed by three gangsters on his way home to exchange food with his wife. His wife was stoned to death and the gangster fled the scene. According to police investigation, the murderer is the husband of the deceased Mou Wei. Due to the long-term disagreement between husband and wife, Mou Wei had the evil thoughts of killing people. Two months before killing his wife, Wei bought nearly 200,000 yuan of personal insurance for his wife in an attempt to kill two birds with one stone. Unexpectedly, self-defeating ..... auto insurance: the "hardest hit" for insurance fraud 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" for insurance fraud. Because insurance is a kind of risk compensation, you can get tens or even hundreds of dollars of insurance money if you spend one yuan of insurance money. Some people make a fuss about it, and many of them get rich by defrauding insurance money, so that freaks like "cheating insurance professionals" are constantly emerging. Ding, 39, was originally an employee of a company in Wuhan. From 1998 to 200 1, he found several drivers as "partners", first asked the drivers to report false cases, and then planned 22 "traffic accidents" through false information dealers, defrauding auto insurance compensation of more than 430,000 yuan. One of the cars cheated insurance four times in a row, and the insurance company paid for it every two or three months on average, but it was the same insurance company that was cheated. In June 2003, Hefei City Procuratorate accepted a cross-provincial fraud case. In April 2002, the suspect Xie bought a Buick commercial vehicle, which was insured by 19 insurance companies in Shenyang, Changchun, Jinan, Hefei and Nanjing. It was found through trial by the public security department that since June 2002, Xie had used "accidents" many times in Liaoning, Jilin, Jiangsu, Anhui, Zhejiang, Yunnan and other places, fabricated different false reasons, provided false accident proof materials and automobile maintenance invoices, and claimed compensation from this 19 insurance company, committing 48 crimes and defrauding insurance money of more than 497,000 yuan. After the incident, the police found more than 200 fake seals from Xie's home, from the traffic police department to the auto repair shop to the accessory shop. The Wang brothers in Beijing used the convenience of their own garage to "direct" more than 90 traffic accidents in three years and defrauded insurance companies of more than 500,000 yuan. Usually, some parts of the vehicle to be repaired in the repair shop are replaced with old or scrapped parts, and then they are driven out to crash to defraud the insurance money. Finally, replace the original parts. The vehicles that others want to repair have become props they use to "perform". In order to be true, they often hit their heads and even almost died. The increase of motor vehicle insurance fraud cases often puts insurance companies in a dilemma. It is reported that since the second half of 2003, insurance companies in Nanjing have little or no insurance for taxis. In 2004, they simply stopped the insurance related to taxis, even the compulsory insurance of third-party liability insurance. Many taxi owners in Nanjing are worried because it is impossible to pass the annual inspection without third party liability insurance. At present, there are nearly 8,000 taxis in Nanjing, and the annual insurance premium for each taxi is about 5,000 yuan. In the face of such a "fat", insurance companies are at a loss. According to people in the insurance industry, the reason is that the taxi pays too much after the accident, and the relevant departments are arbitrary when issuing accident certificates and materials required for insurance claims, which objectively condones malicious fraud. According to reports, at present, the average payout ratio of taxi insurance has reached 1.30%, among which the payout ratio of some taxis is as high as 200%. For taxi insurance, insurance companies are almost operating at a loss. According to experts in the insurance industry, the means of compensation for motor vehicle insurance fraud can be summarized as: fabricating fraud cases. The insured deliberately fabricates or creates a dangerous situation when there is no accident in the insured vehicle, and then claims compensation from the insurance company. A "fraud expert" in Heilongjiang Province, relying on his familiarity with insurance laws and regulations and related compensation business, "lost" five insured luxury cars during the five years from 1998 to 2002, and defrauded nearly one million yuan from local insurance companies! Usually, after buying a car, he goes to the insurance company to buy huge insurance, and then his driver drives out on business, and he quietly follows. After the driver stops and leaves, he opens the door with his own key, steals the car and sells it, and then asks the driver to report to the police. He demanded compensation from the insurance company. Low value and high security. Deliberately making the insured amount greatly exceed the actual value of the subject matter when insured, and then claiming compensation from the insurance company with the insured amount after deliberately taking risks. Chongqing Jinmou bought an old Peugeot car with 70,000 yuan, and then insured the insurance company with 6.5438+0.5 million yuan, and added the "spontaneous combustion" insurance. After a while, I felt that the time was ripe, so I drove to a remote place, spilled the fuel, lit it with a lighter, created a scene of "spontaneous combustion", and then claimed compensation from the insurance company. Multi-head insurance The same car is insured in multiple places. Once it is out of danger, it will claim compensation from multiple insurance companies at the same time, or deliberately create dangerous situations to claim compensation from insurance companies. In the early morning of June 5438+1October 2 1, 2003, the anti-collision guardrail of a Mercedes-Benz 500 car spontaneously ignited and burned. After investigation, this is a case of deliberately creating danger to defraud insurance money. On June 6th, 2002 16 and at the end of February, 2002, the owner Xie Mou insured the car for1430,000 yuan in insurance companies in two cities of Fujian Province. On the day of the incident, Xie called the insurance companies in the two places to report the case and handle the corresponding claims. What is even more bizarre is that the same car and the same accident have been settled 34 times in 10 insurance institutions, and the amount of fraudulent insurance has reached 14 10000 yuan. Increase risks and losses. The insured or the insured deliberately exaggerates the loss of traffic accidents in order to get more insurance compensation. Some repair shops even deliberately increase risks and losses. Generally speaking, after the owner leaves the car in the repair shop, the repair shop will make a second impact on the repaired car, so that the repair shop can report the loss of several thousand yuan or even more to the insurance company. Car owners know nothing about this. Car owners often get small heads, while repair shops mercilessly "slaughter" insurance companies. Replace trees with flowers. The subject matter of insurance should be unique and specific. In order to defraud insurance compensation, some people often take the means of "switching packages". If Li has a traffic accident without a driver's license, he will find someone with a driver's license to replace him and claim compensation from the insurance company. Insurance again and again. That is, when a motor vehicle has had an accident or suffered losses, it conceals the truth and applies for insurance with an insurance company, and then defrauds insurance compensation by claiming compensation. An accident occurred in a truck driven by a driver in Feixiang County, Hebei Province. In order to achieve the purpose of insurance fraud, the driver went through the insurance formalities and reported the case to Feixiang Branch of China People's Insurance Company a few days later. Fortunately, after investigation, the insurance company exposed the scam. Curbing fraud: where is the way? Insurance fraud is a complex problem, and it is difficult to completely eradicate it. For a long time, people are used to curbing this phenomenon through the assistance of the judicial department, but the effect is not ideal. In the face of such a "chronic disease", we must take a multi-pronged approach, and comprehensive management can be effective. Construct a preventive mechanism combining "regular army" with "local army". It is reported that in recent years, some investigation agencies directly serving the insurance business have been established in various places. For example, the "Insurance Company Detective Office", "Insurance Liability Judicial Technical Appraisal Room", Shanghai Anda Insurance Safety Service Co., Ltd. and Beijing Stiehl Commercial Investigation Agency of Suizhou Insurance Company in Hubei Province are entrusted by insurance companies to investigate the doubtful points in insurance claims, which not only provides a basis for insurance companies to clarify the case, but also does a good job in preliminary investigation and evidence collection for public security and judicial organs to punish crimes. According to Chongqing Economic News, in June 2003, the owner of a property insurance company in Chongqing suspected that the salesman and the customer conspired to "eat" the company, so he entrusted a commercial investigation agency to investigate. After several unannounced visits, the investigation company reported the "catty" between the marketing staff and the vehicle repair shop. As a result, the insurance company immediately blocked the loophole after paying the 500 yuan survey fee. A life insurance company has received a report of accidental death of the insured. Although high compensation was paid, the insurance company felt that something was strange, so it entrusted an investigation company to investigate. After many twists and turns, the private detective opened the gap from the distant relatives of the insured and confirmed the truth that the insured harmed his sister to defraud the insurance money. Practice shows that these institutions have indeed played an important role in preventing and curbing insurance fraud. Anti-fraud, especially insurance fraud, has been listed as an independent crime in many countries Separate from general fraud crimes, special organizations or investigation agencies and information centers participate in prevention. At present, China urgently needs to develop this kind of non-governmental investigation institutions and hand over those things that the government can't manage well to these institutions, which not only makes up for some shortcomings of government institutions, reduces the pressure on judicial organs, but also helps to prevent insurance fraud cases. Accelerate the construction of insurance information network and increase the scientific and technological content of insurance anti-fraud. The urgent task is to break the information barrier between insurance companies, realize customer insurance information networking, and realize information sharing and resource sharing. It is necessary to vigorously develop and use an information inquiry system for policyholders similar to the bank credit customer inquiry system and the online pursuit system of public security organs. If the customer has been insured in insurance company A or has a bad record, insurance company B can check it online to avoid repeated insurance and multiple claims. Establish a blacklist system for the insurance industry as soon as possible. The "blacklist" system is one of the main measures for international insurance companies to guard against insurance fraud risks. At present, many domestic insurance companies have also implemented the insurance "blacklist" system. Once some customers or related units are included in the "blacklist", they will become key risk customers to be monitored. For example, Beijing has focused on monitoring auto repair shops with high risk rate and poor reputation; In 2003, Tianjin 1 1 Property Insurance and Life Insurance Company established the risk customer database through negotiation, and each insurance company entered the information of units and individuals with bad insurance fraud into the database for reference by other insurance companies when underwriting claims. When underwriting, insurance companies will be particularly cautious if they find that customers have fraudulent behaviors in other insurance companies, and may raise the charging standard, put forward some harsh conditions, or refuse underwriting. Disseminate correct insurance knowledge to the public and the legal responsibility of fraudulent insurance compensation. Some people have a one-sided understanding of insurance, thinking that insurance can make money, and insurance is like gambling or a way to get rich quickly, so they will take risks. Therefore, it is necessary to strengthen the popularization and publicity of insurance legal knowledge and raise the insurance awareness of the whole people. When carrying out insurance business, insurance companies have the obligation to explain clearly the obligations and legal responsibilities of the insurer and the insured to their customers, enhance their legal awareness and consciousness of abiding by the law and strictly performing the contract, and fundamentally reduce the possibility of insurance fraud. The insurance industry has experienced a "cold current" of fraudulent insurance.