According to Article 198 of the Criminal Law of People's Republic of China (PRC), whoever commits insurance fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan or confiscated property:
(1) The applicant intentionally fabricates the subject matter of insurance to defraud the insurance money;
(2) The applicant, the insured or the beneficiary fabricates false reasons or exaggerates the loss of the insured accident to defraud the insurance money.
(3) The applicant, the insured or the beneficiary fabricates an insurance accident that has never happened to defraud the insurance money;
(4) The applicant or the insured intentionally causes an insurance accident that causes property losses and defrauds the insurance money;
(5) The applicant or beneficiary intentionally causes the death, disability or illness of the insured to defraud the insurance money.
Whoever commits the acts listed in Items 4 and 5 of the preceding paragraph, which constitutes other crimes, shall be punished in accordance with the provisions of combined punishment for several crimes.
Extended data:
Article 27 of "People's Republic of China (PRC) Insurance Law" does not have an insured accident, and if the insured or beneficiary falsely claims that an insured accident has occurred, the insurer has the right to terminate the contract without returning the insurance premium. If the applicant or the insured intentionally creates an insured accident, the insurer has the right to terminate the contract and is not liable for compensation or payment of insurance benefits; Except under the circumstances stipulated in Article 43 of this Law, the insurance premium will not be refunded.
After the occurrence of an insured accident, if the applicant, the insured or the beneficiary fabricate a false cause of the accident, or exaggerate the degree of loss with forged or altered relevant certificates, materials or other evidence, the insurer shall not be liable for compensation or payment of insurance benefits for the falsely reported part.
China the Supreme People's Procuratorate-People's Republic of China (PRC) Criminal Law