What is the behavior of insurance company personnel to modify the premium collection fee?

Insurance fraud is an illegal and criminal activity under the guise of insurance name or insurance contract, which mainly refers to the act of fabricating the subject matter of insurance, creating an insurance accident, fabricating the cause of the accident or exaggerating the degree of loss, so that the insurance company pays more insurance money or pays more insurance money that it should not pay.

The applicant, the insured and the beneficiary who commit insurance fraud shall bear the following legal consequences:

1. If the insured or beneficiary falsely claims that an insurance accident has occurred without an insurance accident, the insurer has the right to terminate the insurance contract and terminate the insurance contract relationship without returning the insurance premium.

2. If the applicant, the insured or the beneficiary intentionally creates an insured accident, the insurer has the right to terminate the insurance contract, and will not be liable for compensation or payment of the insurance premium, and will not refund the insurance premium unless otherwise provided by law.

3. After the occurrence of an insured accident, if the applicant, the insured or the beneficiary forged or altered relevant certificates, materials or other evidence, lied about the cause of the accident and exaggerated the degree of loss, the insurer shall not be liable for compensation or payment of insurance benefits for the lied part.

If the applicant, the insured or the beneficiary commits insurance fraud, causing the insurer to pay the insurance premium or expenses, it shall return or compensate.

If the applicant, the insured or the beneficiary commits insurance fraud, which does not constitute a crime, he shall be given administrative punishment according to law:

(1) The applicant intentionally fabricates the subject matter of insurance to defraud the insurance money;

(2) fabricating an insurance accident that never happened, or fabricating a false cause of the accident, exaggerating the degree of loss, and defrauding insurance money;

(3) Deliberately causing an insurance accident and defrauding insurance money.

Where an appraiser, appraiser or witness of an insurance accident intentionally provides false documents to provide conditions for the applicant, the insured or the beneficiary to commit insurance fraud, he shall be punished in accordance with the provisions of the preceding paragraph.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.