The research of insurance fraud

本文從保險學之角度出發，深入探討保險契約與保險詐欺之不可分割性，闡述保險概論，說明保險契約之原理、特性、要件與制度運作等情形，逐一分析保險制度上之設計與特性，如何有遭利用、濫用之可能性。第二步說明保險詐欺之定義、成因和特徵，詳細解釋保險詐欺於我國之發展。第三步說明保險詐欺在實務上之處理模式，並討論詐欺罪可否適用保險詐欺，並探討實務上對於公共危險、詐欺罪之保險詐欺如何進行判決與判決上是否有其侷限性。第四步借鏡國外制度，介紹國外對於保險詐欺之處理方式，並詳述在刑法典上有保險詐欺之法條，作為我國立法之參考。This article from the point of view of insurance and in-depth discussions of the indivisibility of the insurance contract and insurance fraud, elaborate introduction to insurance, description of insurance principles, such as elements, attributes, and the system was working, individually design and characteristics analysis system of insurance, has been used, the possibility of abuse. Step description definition, causes and characteristics of insurance fraud, detailed explanation of insurance fraud in the development of our country. Step instructions processing mode of insurance fraud in the practice, and discuss fraud insurance fraud will apply, for discussion and practice of public danger, fraud insurance fraud conviction and the judgement on whether there were limitations. Fourth step learn from foreign systems, introduces the various approaches of insurance fraud, and spelled out in the criminal code on the law of insurance fraud, as a reference of our legislation