Insurance fraud is an illegal act that not only destroys market fairness, but may also face criminal charges and long-term credit damage. The following content is only used to raise awareness of risk prevention, and **Will never encourage or support any form of fraud**. --- ### Common fraud methods and technical characteristics (cautionary list)： 1. **Falsification of evidence** -**Document tampering**: Falsifying medical bills, fictitious repair quotations, and falsifying police accident reports (Note: Insurance companies will be identified by technical means such as digital watermarking and verification by third-party agencies). -**Timeline fraud**: Create a fake time point of the accident by modifying the device metadata (such as the time the photo was taken), but the mobile phone location/GPS log may be counter-checked. 2. **Man-made losses** -**Intentional damage**: Such as man-made arson or intentional car crash (it may trigger the on-board EDR black box to record abnormal operations). -**New report of old injuries**: Historical damage is disguised as a new accident (note: traces of metal oxidation and the database of the repair plant can be traced back to the real time of damage). 3. **Exaggerate the loss dimension** -**Exaggeration of the scope of loss**: For example, falsely claiming that the accident caused the total loss of electrical appliances, but only part of the damage was actually caused (the insurance company may use a thermal imager to detect the true state of the equipment in use). -**Excessive medical treatment**: Collude with medical institutions to issue false treatment lists (abnormalities can be found by cross-checking medical insurance data). 4. **Identity and scene fraud** -**Top package fraud insurance**: Use other people's identities to make false claims (facial recognition, call history analysis and other technologies have greatly improved the recognition rate). -**Fictitious scene**: The scene of the forgery and theft is missed but the blind spot of monitoring is missed (the risk of increasing the coverage of the smart city camera network). --- ### Insurance company anti-fraud technical system： -**Big data analysis**: Build a risk portrait through the claimant's historical data, social network dynamics, and geographic location information. -**Blockchain certificate of deposit**: Key data such as medical records and maintenance logs are on the chain to prevent tampering. -**AI image recognition**: Automatically detects anomalies such as PS traces and inconsistent light in photos. -**Internet of Things devices**: On-board sensors and smart home devices record data streams before and after the accident in real time. --- ### Legal consequences and Risk warnings： -**Criminal penalties**: Article 198 of our Country's Criminal Law stipulates that insurance fraud is punishable by fixed-term imprisonment of more than five years. -**Impact of credit reporting**: Included in the financial credit information database to affect social activities such as loans and employment. -**Technological countermeasures**: New technologies such as blockchain certificate deposit and federal learning have significantly enhanced the ability of cross-institutional data traceability. --- The essence of insurance is a risk-sharing mechanism, and any fraudulent behavior will eventually drive up the cost of protection for the whole society. It is recommended to manage risks scientifically through legal channels (such as the optimization of policy terms and the allocation of additional insurance types), so as to protect one's own rights and interests and maintain market order.