保险欺诈成顽疾，漏洞如何补？

Core Viewpoint - Recent shocking cases of "killing relatives for insurance fraud" have raised serious ethical concerns in society, highlighting the persistent issue of insurance fraud within the industry [1][3]. Group 1: Recent Cases - Multiple incidents of extreme insurance fraud have been reported, including a case where a man conspired to kill his 7-year-old son to claim insurance money, resulting in a payout of 180,000 yuan [3]. - Another case involved a man in Zhejiang who orchestrated a car accident that killed his own mother for insurance benefits [3]. Group 2: Industry Challenges - The rise in insurance fraud is attributed to inadequate internal controls within some insurance companies, as well as the low legal consequences faced by perpetrators [3][4]. - The pursuit of business growth by some insurance firms has led to a neglect of fraud risk prevention measures [3]. Group 3: Legal Framework - The Insurance Law of the People's Republic of China allows insurers to terminate contracts and deny claims if fraud is detected, with severe penalties outlined in the Criminal Law for significant fraud cases [4]. Group 4: Solutions and Recommendations - The industry must adopt a collaborative approach involving insurance companies, regulatory bodies, and judicial authorities to combat insurance fraud effectively [5]. - Recommendations include establishing comprehensive fraud risk management systems, enhancing technology use, and improving staff training and consumer education [5][6]. Group 5: Technological Advancements - The integration of big data and artificial intelligence is seen as crucial for enhancing fraud detection capabilities within the insurance sector [6]. - Companies are encouraged to utilize advanced analytics to monitor claims in real-time and identify suspicious activities [6].