Fabricating or exaggerating insurance losses to obtain improper compensation is a serious fraud that can undermine the fairness and stability of the insurance market and harm the interests of other policyholders. Although such behavior should not be carried out, understanding these fraudulent methods can help strengthen risk prevention and identification. Common methods include： **Property insurance field** -**Fictitious subject matter**: Property that does not exist at all is insured by fabricating information, and then falsely claiming that a loss claim has occurred. For example, fabricate information about a car that does not exist at all to insure, and then fake the scene of the accident to apply for a claim. -**Deliberately causing an accident**: Deliberately destroying one's own property to create the illusion of loss. For example, deliberately set fire to one's own house, and then claim the loss of the house from the insurance company. -**Exaggerate the degree of loss**: After the property is damaged, exaggerate the scope and extent of the damage. For example, the vehicle was only slightly scratched, but it was claimed that the entire body needed to be repainted and a large number of unnecessary parts were replaced to increase the amount of the claim. -**Falsification of the time of occurrence of the loss**: Falsely claiming that the loss that did not occur during the insurance period occurred during the insurance period in order to defraud compensation. **Life insurance field** -**Impersonation**: The insured person who is not the insured himself has an insured accident, but uses the identity of the insured to make a claim. For example, someone performs a disability appraisal on behalf of the insured and applies for disability insurance compensation. -**Minor illness and major care**: The insured himself is in a mild condition, but through various means to extend the length of hospitalization, increase examination items, etc., exaggerate the severity of the disease and treatment costs, in order to obtain more compensation for medical expenses or compensation for serious illness. -**Forged certification materials**: Forged medical diagnosis certificates, medical records, invoices and other related documents, fictitious insured accidents or exaggerated losses. For example, he engraved the official seal of the hospital privately and forged invoices for high medical expenses.