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据美国反保险欺诈联盟估计,每年仅美国的车险欺诈就有800亿美元之巨,平均每个美国公民326．47美元。车险、工伤险和健康险被并列为三个最容易遭受欺诈的险种。按照业内多数人经验估计,我国车险赔付至少有三分之一与欺诈有关,另外健康险中的欺诈也占有相当的比例,保险欺诈已经成为威胁我国保险业健康发展的毒瘤。从本期开始,本刊设立反欺诈专栏,对国际上成熟的保险欺诈防范方法予以介绍,以飨读者。
According to the U.S. anti-insurance fraud coalition, there are only 80 billion U.S. dollars of auto insurance fraud per year, with an average of 326.47 U.S. dollars per U.S. citizen. Motor insurance, work injury insurance and health insurance are tied for the three most vulnerable types of fraud. According to the experience of most people in the industry, at least one-third of China’s auto insurance claims are related to fraud. In addition, fraud in health insurance also occupies a considerable proportion. Insurance fraud has become a malignant tumor that threatens the healthy development of China’s insurance industry. Since the beginning of this issue, we have set up an anti-fraud column to introduce internationally sophisticated methods to prevent fraudsters in order to readers.