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As people’s risk awareness is heightened, the number of insurance purchasers is also increasing gradually. Although public acceptance of insurance is elevated and it is bringing a positive assistance to the local insurance industry, it is also causing problems with negative influence. In order to reap benefits, perpetrators create moral hazards and violate the principle of utmost good faith, which leads to a direct increase of operational risks for the insurers, and an indirect damage to the interests of all policyholders for risk sharing and equitable coverage of protection.
The purpose of this study is to---- first, understand the nature of insurance fraud in Taiwan; and secondly, to analyze the characteristics of various forms of insurance fraud in Taiwan; and thirdly, to propose improvement measures for the deficiencies of insurance fraud prevention in Taiwan.
Literature review and content analysis are adopted in this study. Through past literature we investigate how to improve the deficiencies of insurance fraud prevention in Taiwan. Then we conduct a content analysis of fraud cases compiled by Insurance Anti-Fraud Institute before we sum up the patterns, characteristics, and trends of insurance fraud in Taiwan. The study finds that the crime locations of insurance fraud are expanding from Taiwan to overseas, and there tend to be more and more organizational conspiracies. With cooperation from health care workers and policemen, it is even harder to prevent the crime. Since there are no regulations relating to insurance fraud prevention, the laws need to be amended as soon as possible, so that the penalties for the perpetrators can be strengthened. Furthermore, there should also be more insurance fraud prevention channels to deter people from trying to gain illicit insurance claims from fraudulent and wounding behaviors.
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