近年来,我国保险业普遍存在着速度上升效益下降的问题,不少保险企业都出现了亏损和严重亏损。赔付率一直居高不下是产生这种现象的重要原因之一,而屡禁不止愈演愈烈的骗赔案又是赔付率高不可忽视的原因。 我们接触和掌握的骗赔案主要有以下几种: 先险后保 这是较为普遍的一种骗赔方法。这些人缺乏风险意识,待大祸临头之时,方才匆匆投保、续保。 超额投保 采取低价购买房屋、汽车之手段,巨额投 In recent years, the insurance industry in our country generally has the problem of the rate of rise of the benefit declines. Many insurance companies have experienced losses and serious losses. Payout rates have been high one of the important reasons for this phenomenon, and despite the repeated intensification of cheating is the payout rate can not be ignored reason. We have contacted and master the fraud mainly in the following categories: Xianfengbaozao This is a more common method of fraud. These people lack a sense of risk, to be catastrophe, just hurried insurance, renewal. Over-insured to take low-cost housing, car means a huge investment