Insurance fraud is an insurance fraud activity carried out on the insurer by using false evidence or documents when insurance claims are made.Insurance fraud generally defrauds insurance money by:1. Deliberately fabricating the subject matter insured or the insured accident;2. Intentionally causing property losses or insured casualties, disabilities or diseases;Providing false evidence, or instructing others to provide false testimony or evidence, or fabricating the cause of the accident or exaggerating the loss of the subject matter insured, etc.Due to the strong concealment of insurance fraud, it is difficult to investigate, the cumulative loss caused by huge, the impact is difficult to estimate. The usual fraud of social endowment insurance provided by government departments is to conceal the fact of the death of the insured, thus continuing to receive pension. The usual fraud in social security is to fabricate the facts of the illness, to engage in recuperation activities, or to buy drugs that are outside the scope of the drug and falsely claim to be eligible for the drug, or to assume the name of the hospital treatment. It led to a huge loss of government finance. Commercial insurance fraud leads to an increase in experience rates at the expense of other customers. So both the government and commercial insurance agencies are committed to conducting more careful investigations to minimize losses due to insurance fraud.According to the size of the loss caused by insurance fraud, the legal consequences shall be subject to administrative and criminal penalties for recovering the loss.
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