【摘要】 在保险诈骗罪的认定中,有三个争议问题值得进一步深入探讨。第一,关于保险诈骗涉及的数罪问题,应当坚持以行为符合犯罪构成的个数为认定一罪与数罪的准则,并严格按照刑法关于数罪并罚的规定来处理。第二,关于保险诈骗罪的着手,行为人以骗取保险金为目的,开始公然实行《刑法》第198条规定的保险诈骗行为,包括虚构保险标的、对发生的保险事故编造虚假的原因或者夸大损失程度、编造未曾发生的保险事故、故意造成财产损失的保险事故,或者造成被保险人死亡、伤残或疾病的保险事故,均成立保险诈骗的着手。第三,关于保险诈骗罪的共犯认定,特别是内外勾结或者有身份者与无身份者共同实施的保险诈骗犯罪的认定,应当坚持以主犯的行为性质定性。更多还原

【Abstract】 This paper focuses on three of the most controversial problems concerning the crime of insurance fraud.Whether the defendant should be convicted and punished with one or more crimes during the course of insurance fraud should depend on if his conduct has satisfied all the elements of one or more crimes.Once the defendant has done the fraudulent conduct(including fabricating insurance object,fabricating the cause of the covered event or exaggerating the loss caused by the covered event,fabricating covered event and causing property damage and causing injury,medical condition or death)with the intention to get insurance compensation,he has committed insurance fraud.Where multiple participants are involved in the fraudulent conduct,such as when the policy holder conspires with one of the insurance company staff and when the beneficiary and others act in concert to fabricate a covered event,they should be convicted and punished for the crime the principal offender’s conduct has satisfied.更多还原