| 单词 | Insurance fraud |
| 释义 | 保險中的欺詐行為 Acting dishonestly in making an insurance claim. Insurance fraud may occur at the time of placement or at the time of claim. Gross exaggeration of a claim may amount to fraud. At common law, an insurer is entitled to avoid a contract of insurance if an insured makes a fraudulent claim: Marine Insurance Ordinance (Cap 329) ss 18, 20. The insurer must prove on the balance of probabilities that the false claim was made intentionally or recklessly: Barclays Bank Ltd v Cole [1966] 3 All ER 948 (CA). The degree of probability for establishing insurance fraud is higher than in establishing negligence: Hornal v Neuberger Products Ltd [1957] 1 QB 247. See also Fraud. 在作出保險申索時的不誠實作為。保險中的欺詐行為在簽立保單或作出申索時發生。在作出申索時嚴重誇大可構成保險中的欺詐行為。在普通法上，如受保人作出欺詐性申索，保險人有權可廢止該保險合約：《海上保險條例》（第329章）第18及20條。保險人須證明相對可能性的衡量，以決定該欺詐性申索是否在有意圖或罔顧的情況下作出：Barclays Bank Ltd v Cole [1966] 3 All ER 948（上訴法院），確立保險中的欺詐行為的可能性程度比確立疏忽為高：Hornal v Neuberger Products Ltd [1957] 1 QB 247。另見 Fraud。 |
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