保险欺诈是保险索赔时利用虚假证据或者文档对保险人进行的保险诈骗活动。

保险欺诈活动一般通过下列行为骗取保险金：

由于保险欺诈隐蔽性强，难以调查，累计导致的损失巨大，造成的影响难以估计。政府部门所提供的社会养老保险通常的欺诈行为是隐瞒被保险人死亡的事实，从而持续领取退休金；社会医疗保险通常的欺诈行为是虚构疾病事实，进行疗养活动，或者购买用药范围以外的药品谎称为符合规定的药品，或者冒名顶替住院治疗。导致政府财政的巨大损失。商业保险欺诈导致经验费率的提高，损害其他广大客户的利益。所以无论政府还是商业保险机构，都致力于进行更仔细的调查以最大限度防范因保险欺诈导致的损失。

Insurance fraud is any act committed with the intent to obtain a fraudulent outcome from an insurance process. This may occur when a claimant attempts to obtain some benefit or advantage to which they are not otherwise entitled, or when an insurer knowingly denies some benefit that is due. According to the United States Federal Bureau of Investigation the most common schemes include: Premium Diversion, Fee Churning, Asset Diversion, and Workers Compensation Fraud. The perpetrators in these schemes can be both insurance company employees and claimants. False insurance claims are insurance claims filed with the intent to defraud an insurance provider.