利用航延险制度漏洞恶意重复投保牟利的行为定性

Making Use of the Loopholes of the Air Extension Insurance System to Maliciously Repeat Insurance for Profit Behavior

利用航延险制度漏洞恶意重复投保牟利的行为如何定性,在理论界和实务界存在着罪与非罪之争以及此罪与彼罪之争。从行为侵害的法益、行为方式、行为人主观目的等要素来看,行为人主观上存在意图非法套取、占有保险公司的赔偿金;客观上表现为利用保险制度漏洞,虚构保险标的,恶意重复投保,使保险公司陷入错误认识,从而取得保险公司数额较大的保险金,应当定性为保险诈骗罪。

In the theoretical and practical circles,there is a debate between crime and non-crime,as well as the distinction between this crime and other crime.From the perspective of the legal interest,behavior mode,subjective purpose and other elements of the act infringement,the perpetrator subjectively intends to illegally extract and occupy the compensation of the insurance company,objectively manifests as the fictional insurance subject matter,malicious repeated insurance,causing the insurance company to fall into the wrong understanding,thereby obtaining the insurance company’s larger amount of insurance money,which should be characterized as the crime of insurance fraud.