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保险欺诈是保险经济发展到一定阶段的产物,是一个历史的过程,也是保险人所面临的道德风险中最为重要的一个方面。美国保险专家在1989年就认定,保险欺诈是当前对保险业盈利的最大威胁,今天的全部赔款支出中至少有15％判归欺诈。国际先驱论坛报也曾报道,美国保险公司在1989年中因欺诈而增加的医疗保健费用高达600亿美元,占医疗保健预算总额的十分之一。在我国先不说600亿美元,如果全部赔款中有15％是由于欺诈行为产生的,以1991年为例,国内业务总赔付为114.286亿元,国外业务总赔付为1.4721亿美元,它们的15％,分
Insurance fraud is the product of the insurance economy to a certain stage, is a historical process, but also the most important aspect of the moral hazard facing the insurer. Insurance experts in the United States concluded in 1989 that insurance fraud is the greatest threat to the current profitability of the insurance industry and that at least 15% of all today’s compensation payments are fraudulent. International Herald Tribune has also reported that U.S. insurers’ health care costs increased by fraud in 1989 up to 60 billion U.S. dollars, accounting for one tenth of the total health care budget. In our country, we will not talk about 60 billion U.S. dollars first. If 15% of the total compensation is due to fraudulent activities, for example, in 1991, the total domestic business payouts were 11.4286 billion yuan and the total foreign business payouts were 147.21 million U.S. dollars, of which 15 %,Minute