广义的保险欺诈包括三个方面:投保人欺诈、保险人欺诈、第三方欺诈。凡投保人不遵守诚信原则,故意隐瞒有关保险标的的真实情况,诱使保险人承保,或者利用保险合同,故意制造或捏造保险事故或虚夸标的的实际损失,以骗取保险金的,均属投保人欺诈。凡保险人在缺乏必要偿付能力或未经批准擅自经营业务,并利用拟订保险条款和保险费率的机会,或夸大保险责任范围诱导、欺骗投保人和被保险人的,均属保 Generalized insurance fraud includes three aspects: policyholder fraud, insurer fraud, third-party fraud. Where the insured fails to comply with the principle of good faith, deliberately concealing the actual situation of the insured subject, inducing the insurer to underwrite or make use of the insurance contract to deliberately fabricate or fabricate an insured matter or a virtual representation of the actual loss to defraud the insured, are covered People cheat. Where the insurer in the absence of the necessary solvency or unauthorized operation of the business and the use of the formulation of insurance terms and insurance rates the opportunity to exaggerate the scope of insurance liability induced or cheating insured and insured,