人身保險詐欺係詐欺人以自己或知情、不知情的他人身體為標的，預先向保險公司購買所期望詐領的理賠金額保障，再透過刻意安排之捏造不實、故意的保險事故，以偽造文書、加工自傷、重傷害或殺害他人等犯罪模式呈現危險的發生，核賠階段再經由擴大危險事故的嚴重性，配合偽裝殘疾、假檢體、 假精神疾病、詐死等手段，使保險公司相信事故的發生或被其矇騙而獲取不當保險利益之行為。 早期台灣民風純樸，媒體報導及發生保險詐欺頻率不高，保險公司及普羅大眾不太在意這樣的問題存在。近年來，由於社會景氣低迷，利用保險制度進行詐欺案件日益增加，尤其利用以＂人＂為標的的人身保險來達到取得保險金的詐欺案件，經常伴隨著殺害至親或弱勢人士，才引起社會大眾的注意。保險詐欺案件的逐年增加且趨於組織集團化及專業化，對國內金融市場、社會人心及良善的保險制度功能，造成嚴重不良影響和衝擊。 目前世界各國對於保險詐欺及保險犯罪的權責機關及罰責，多有透過相關之立法特別關注，而我國之保險法雖然歷經了幾次的大修法，但在保險詐欺罰責上仍延用我刑法法條並無單獨針對保險詐欺犯罪立法，加上媒體報導後犯罪手法不斷學習進化及翻新，保險詐欺的犯罪者也就有恃無恐利用此之漏洞來犯罪，本研究透過實際人身保險詐欺案例來探討保險詐欺，並進微言供參。 表單編號：ATRX-Q03-001-FM030-01 Insurance fraud is the use of criminal methods to deceive insurance company in believing the occurrence of accident or lost, etc. for the intention of obtaining insurance claims. In earlier years because the occurrence of insurance fraud is not frequent, insurance companies and the general public did not pay much attention. Until recently years insurance fraud cases have increased drastically and repeatedly, thus catches public attentions. The continuous increases in insurance fraud cases have resulted in serious detrimental effects on insurance system and function.
In present countries worldwide have legislation on insurance related fraud. The insurance law in Taiwan, although being through several major modifications, there has not yet any precise legislation regarding insurance fraud. With the continuous renewal of crime committing methods, fraud criminals also make use of the loophole of insurance law to commit crime. Thus, the study aims to explore motives of relative questions on insurance fraud.
