It is shown that there are different degree defects in a few definitions in the theories field . in overview of the general requests for giving a definition and the character of the offense of insurance fraud , the writer views that the offense of insurance fraud refers to the act of policy holder , the insured and beneficiary in the insurance contract relation violating the regulations of insurance law to illegally occupy as its purpose , adopt deliberately falsifying the subject matter of the insurance ; or cooking up the cause of an insured accident or overstating the extent of loss ; or inventing stories an insured accident that does not occur ; or deliberately causing the occurrence an insured accident that leads to property ; or deliberately making insurance accidents to swindle large sums of insurance . it has the characteristics as follows : their being subjectively in the diversity of the criminals , the combination of intelligence and cruelty of the criminals , simpler in criminal suspect ; their being objectively in deceptive , crime means " profession to turn , the crime activity concealment very strong , be involved amount of money huge , usually living with other crime companions , the severity of the consequences of the crime , higher black number of crime , and having a thing 笔者认为:保险诈骗罪的犯罪客体不属于本罪的构成要件,保险诈骗罪的成立仅须具备犯罪主体要件、犯罪主观要件和犯罪客观要件三个要件即可;鉴于保险诈骗罪的预备形态在现实中的危害性不大,本文仅就保险诈骗罪的未遂形态和中止形态进行了探讨;着重探讨了保险诈骗罪共犯中的身份问题,对保险诈骗罪的教唆犯和帮助犯的构成特征及刑事责任进行了探讨;逐一对保险诈骗罪的实质一罪(法规竞合与想像竞合)和处罚一罪(牵连犯与吸收犯)进行了分析;同时,从犯罪数额和主观目的上讨论了保险诈骗罪的成罪条件,将保险诈骗罪与普通诈骗罪和合同诈骗罪进行了区分;最后,在对保险诈骗罪立法沿革和立法模式分析的基础上,从保险诈骗罪的主体、主观方面、客观方面以及立法技术等几个方面对保险诈骗罪的缺陷及其完善提出了自己的看法。
These two characteristics make the insurance products are more suitable for sale on internet than other products . when selling on the internet , besides some introductory information , insurers also focus on : 1 ) providing online analysis , helping policy holders to select suitable insurance products ; 2 ) providing online service ; 3 ) providing online claim service . online insurance is virtual , low cost and interactive 第二章重点从实证上比较了网络保险在国内、外的发展现状,以及我国网络保险现存的差距,同时也分析了保险行业的网络化程度落后于银行、证券等其他金融行业的原因以及未来的发展趋势,旨在为我国网络保险的进一步发展找出方向。
