保险诈骗罪若干疑难问题探究

有关保险诈骗罪的主体争议:冒名骗赔的行为应定性为保险诈骗罪;隐名的投保人、被保险人可以成为保险诈骗罪的主体;保险人、保险经纪人、保险代理人诈骗投保人、被保险人、受益人的应定性为诈骗罪。虚构保险标的的表现:虚构根本不存在的保险标的;恶意超额保险;恶意重复保险;虚构保险利益;将不合格的标的虚构为合格的保险标的;事后保险。内外勾结共同骗取保险金的行为应一律认定为职务侵占罪或者贪污罪。

Researching on Several Difficult Problems of the Crime of Insurance Fraud

The main disputes on the subject of the crime of insurance fraud are as follows：impostor fraud behavior to defraud insurance money should be determined as the crime of insurance fraud;the dormant policy-holder and insurant can become the subject of the crime of insurance fraud ;That the insurance, the insurance broker,the insurance agent defraud the policy-holder,the insurant,the beneficiary should be defined as the crime of fraud.The performances of fabricating the insurance object are as follows：fabricating the non-existent subject-matter as insurance object;malicious excess insurance;malicious double insurance;fabricating insurable interest;fabricating the unqualified object as qualified insurance object;the insurance after the insurance accident occurred. The behavior of collusion between the insurance company staff and the policy-holder,the insurant,the beneficiary to defraud insurance money should be identified as the crime of duty encroachment or the crime of corruption.