中文摘要：

隨著現代社會對於保險制度之依存度日漸提高，保險制度之穩定對於個人、家庭及社會均非常重要，由於保險詐欺除了侵蝕保險制度之穩固外，常伴隨著嚴重性或高或低之刑事犯罪，各國莫不致力於防制保險詐欺。日本與英國分別於2008及2015年修訂其保險法，對於防範保險詐欺均有特別規定，而我國至今仍未有相關規定。
    本文會先檢視目前我國防制保險詐欺之現況，從法律規範層次、行政管理層次、保險業界層次切入，探討目前我國防制保險詐欺之有效性及缺失；次介紹日本與英國之保險法對於保險詐欺之特別規定；再討論若我國不修法，能否透過保單條款約定終止權之方式來達到防制保險詐欺之目的；最後提出結論及修法建議。希望本文的討論能夠作為將來修正相關法律之參考。

英文摘要：

With the increasing dependence of the modern society on the insurance system, the stability of the insurance system is very important for the individual, the family, and the society.  Every country is committed to the prevention of insurance fraud because it not only damages the stability of the insurance system but also is accompanied by criminal offences frequently.  In 2008 and 2015, Japan and the United Kingdom enacted new insurance law including special provisions to solve insurance fraud.  However, Taiwan has not yet enacted provisions like those.
    To begin with, this paper will introduce the current situation of anti-insurance fraud in Taiwan from these three aspects: legislative level, administrative level and the insurance industry.  Then, this paper will introduce the Japanese and British insurance law relates to anti-insurance fraud.  Furthermore, can the insurer terminate the contract when the policyholder, the insured, or the beneficiary commits insurance fraud if there are such terms in the insurance policy?  Finally, this paper will draw some conclusions and give some advice.  It is hoped that the discussion in this article will serve as a reference for future amendments to the relevant law.

資料來源：

華藝線上圖書館