伪造合同、贿赂理赔，雇主责任险缘何成骗保“重灾区”？

Core Viewpoint - Employer's liability insurance, originally intended as a protective measure for businesses, is increasingly being exploited by criminals as a tool for fraud [1][3]. Group 1: Fraudulent Activities - A significant insurance fraud case in Jiangsu involved a criminal network spanning multiple industries across 9 provinces and 16 cities, with a total amount involved exceeding 270 million yuan [4]. - The main perpetrator, an employee of an insurance agency, collaborated with others to create fake labor contracts and inflate claims related to workplace injuries, leading to multiple fraudulent insurance payouts [4][5]. - The rise in fraudulent activities is attributed to high accident rates in high-risk industries, inadequate risk control mechanisms by insurance companies, and the complexity of cross-regional fraud [5][6]. Group 2: Recommendations for Improvement - Industry experts suggest establishing a collaborative anti-fraud mechanism involving law enforcement, financial regulators, and insurance associations to enhance fraud detection and prevention efforts [7]. - Insurance companies are encouraged to strengthen risk control at the underwriting stage, rigorously verify the qualifications of insured entities, and utilize big data and AI to monitor suspicious activities [7]. - A national anti-fraud information platform is recommended to facilitate real-time sharing of blacklists and suspicious cases across companies and regions, along with cross-validation of information with external data sources [7].