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（四…",{},"7dd879af-e535-47d4-9bf6-27c5772338b0","2026-10-23T01:37:27.259567+00:00","2026-10-23T02:00:44.819713+00:00",{"question":163,"answer":171,"crime_codes":172,"stage":20,"audience":76,"_locale":39,"_fallback":13},"刑法第一百九十六条第一款第（三）项所称“冒用他人信用卡”，包括以下情形：\u003Cbr\u002F>\n（一）拾得他人信用卡并使用的；\u003Cbr\u002F>\n（二）骗取他人信用卡并使用的；\u003Cbr\u002F>\n（三）窃取、收买、骗取或者以其他非法方式获取他人信用卡信息资料，并通过互联网、通讯终端等使用的；\u003Cbr\u002F>\n（四）其他冒用他人信用卡的情形。\u003Cbr\u002F>",[18],[],{"type":64,"title":175,"slug":176,"summary":177,"body":20,"cover":20,"author_type":48,"firm_id":20,"status":22,"visibility":23,"version":49,"published_at":68,"seo":178,"id":179,"created_at":180,"updated_at":181,"faq":182,"_locale":39,"_fallback":13,"tags":185},"信用卡保险诈骗的行为方式如何认定？有哪几种？","zh-33860","（1）财产投保人故意虚构保险标的，骗取保险金的。保险标的是指作为保险对象的物质财富及其有关利益、人的生命、健康或有关利益。故意虚构保险标的是指在与保险人订立保险合同时，故意捏造根本不存在的保险对象。以为日后编造保险事故，骗取保险金。 （2）…",{},"85e55550-1700-4d8d-ae9b-114be20ede3e","2026-10-23T01:37:36.667267+00:00","2026-10-23T02:00:44.881735+00:00",{"question":175,"answer":183,"crime_codes":184,"stage":20,"audience":76,"_locale":39,"_fallback":13},"（1）财产投保人故意虚构保险标的，骗取保险金的。保险标的是指作为保险对象的物质财富及其有关利益、人的生命、健康或有关利益。故意虚构保险标的是指在与保险人订立保险合同时，故意捏造根本不存在的保险对象。以为日后编造保险事故，骗取保险金。\u003Cbr\u002F>\n（2）投保人、被保险人或者受益人对发生的保险事故编造虚假的原因或者夸大损失的程度，骗取保险金的。保险合同约定保险人只对因保险责任范围内的原因引起的保险事故承担赔偿责任，投保人、被保险人或受益人隐瞒发生保险事故的真实原因或者将非保险责任范围内的原因谎称为保险责任范围内的原因以便骗取保险金；对确已发生保险事故造成损失的。则故意夸大损失的程度以便骗取额外的保险金。\u003Cbr\u002F>\n（3）投保人、被保险人或者受益人编造未曾发生的保险事故，骗取保险金的。\u003Cbr\u002F>\n（4）投保人、被保险人故意造成财产损失的保险事故，骗取保险金的。这是指在保险合同期内，人为地制造保险事故，造成财产损失，以便骗取保险金。\u003Cbr\u002F>\n（5）投保人、受益人故意造成被保险人死亡、伤残或者疾病，骗取保险金的。这是指在人身保险中，为骗取保险金，制造赔偿条件，故意采用不法手段，造成被保险人的伤亡或疾病。行为人具备上述五种行为方式之一，骗取保险金数额较大的，构成保险诈骗罪。参照最高人民法院《关于审理诈骗案件具体应用法律的若干问题的解释》，个人进行保险诈骗数额在10000元以上的，属于“数额较大”。\u003Cbr\u002F>",[18,57],[],[],[188],{"type":189,"title":190,"slug":191,"summary":192,"cover":20,"author_type":48,"firm_id":20,"status":22,"visibility":23,"version":49,"published_at":193,"seo":194,"id":195,"created_at":196,"updated_at":197,"document":198,"_locale":39,"_fallback":13,"tags":201},"document","于某某犯保险诈骗罪,如实供述,酌情从轻处罚","zh-32666","关联法条 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