Insurance Agent, 22 Others Indicted for Staging Accidents to Defraud NT$2 Million
A Fubon Life insurance agent, surnamed Chen, allegedly collaborated with policyholders and others to stage fake car accidents, defrauding insurance companies of over NT$2 million. The Shilin District Prosecutors Office has indicted Chen and 22 others on fraud charges, seeking a 3.5-year prison sentence for Chen. The group exploited lax review standards for travel accident insurance and used expensive, self-paid PRP therapy to inflate the claims.
📋 Article Processing Timeline
- 📰 Published: June 10, 2026 at 11:54
- 🔍 Collected: June 10, 2026 at 12:01 (7 min after Published)
- 🤖 AI Analyzed: June 10, 2026 at 12:03 (1 min after Collected)
(CNA, Taipei, June 10) A Fubon Life insurance agent surnamed Chen is suspected of collaborating with policyholders and others to stage fake car accidents to claim insurance payouts, fraudulently obtaining over NT$2 million. The Shilin District Prosecutors Office today indicted Chen and 22 others for offenses including fraud and is seeking a sentence of 3 years and 6 months for Chen.
According to the indictment, Chen, an agent for Fubon Life Insurance, was familiar with the application and claims processes for various insurance products. He knew that the review standards for travel accident insurance were relatively lenient and that by taking out multiple accident policies or utilizing third-party liability insurance, combined with high-cost self-paid medical treatments, one could receive duplicate compensations.
Furthermore, Chen learned that the new "PRP (Platelet-Rich Plasma)" therapy, which involves extracting concentrated growth factors from one's own blood for tissue repair and pain relief, is not covered by national health insurance. As a fully self-paid item, it could significantly inflate the claim amounts for duplicate or third-party liability claims.
Prosecutors stated that Chen saw this as a lucrative opportunity. To construct the necessary medical justification and prevent insurance companies from denying claims, he created a model of mutual support and collaboration to stage fake accidents for real insurance fraud. In 2024, he collaborated with insurance agents surnamed Wu, Ting, and Lin, and recruited four individuals, including a man surnamed Hsueh, to help stage the fake car accidents and carry out the scheme.
Prosecutors said that after the insurance contracts were established, Chen and the others would jointly stage a fake car accident to obtain a "Road Traffic Accident Party Registration Form" from the police and a "Diagnosis Certificate" and "Self-Paid Expense Receipt" from a clinic. They then simultaneously filed claims with multiple insurance companies to obtain illicit payouts.
Prosecutors calculated that Chen and his group staged six fake car accidents using this method, defrauding over NT$2 million in insurance money. Some claims were unsuccessful as insurance companies detected irregularities.
Fubon Insurance, Hua Nan Insurance, and Shin Kong Insurance filed complaints, and the case was transferred by the Taipei City Police Department's Criminal Investigation Division to the Shilin District Prosecutors Office for investigation. The Shilin office concluded its investigation today, indicting Chen and 22 other defendants for charges including fraud and attempted fraud.
Prosecutors argued that Chen and fellow agents Lin and Ting, as insurance professionals, failed to use their expertise to promote the development of the insurance market, instead using their experience to commit crimes. They requested the court to sentence Chen to a heavy term of 3 years and 6 months for each offense, and sought 2 years and 6 months for both Lin and Ting. Sentences were also sought for the other defendants.
According to the indictment, Chen, an agent for Fubon Life Insurance, was familiar with the application and claims processes for various insurance products. He knew that the review standards for travel accident insurance were relatively lenient and that by taking out multiple accident policies or utilizing third-party liability insurance, combined with high-cost self-paid medical treatments, one could receive duplicate compensations.
Furthermore, Chen learned that the new "PRP (Platelet-Rich Plasma)" therapy, which involves extracting concentrated growth factors from one's own blood for tissue repair and pain relief, is not covered by national health insurance. As a fully self-paid item, it could significantly inflate the claim amounts for duplicate or third-party liability claims.
Prosecutors stated that Chen saw this as a lucrative opportunity. To construct the necessary medical justification and prevent insurance companies from denying claims, he created a model of mutual support and collaboration to stage fake accidents for real insurance fraud. In 2024, he collaborated with insurance agents surnamed Wu, Ting, and Lin, and recruited four individuals, including a man surnamed Hsueh, to help stage the fake car accidents and carry out the scheme.
Prosecutors said that after the insurance contracts were established, Chen and the others would jointly stage a fake car accident to obtain a "Road Traffic Accident Party Registration Form" from the police and a "Diagnosis Certificate" and "Self-Paid Expense Receipt" from a clinic. They then simultaneously filed claims with multiple insurance companies to obtain illicit payouts.
Prosecutors calculated that Chen and his group staged six fake car accidents using this method, defrauding over NT$2 million in insurance money. Some claims were unsuccessful as insurance companies detected irregularities.
Fubon Insurance, Hua Nan Insurance, and Shin Kong Insurance filed complaints, and the case was transferred by the Taipei City Police Department's Criminal Investigation Division to the Shilin District Prosecutors Office for investigation. The Shilin office concluded its investigation today, indicting Chen and 22 other defendants for charges including fraud and attempted fraud.
Prosecutors argued that Chen and fellow agents Lin and Ting, as insurance professionals, failed to use their expertise to promote the development of the insurance market, instead using their experience to commit crimes. They requested the court to sentence Chen to a heavy term of 3 years and 6 months for each offense, and sought 2 years and 6 months for both Lin and Ting. Sentences were also sought for the other defendants.
FAQ
這起保險詐騙案的主要策劃者是誰？
主要策劃者是富邦人壽的陳姓保險業務員，他利用其專業知識設計了整個詐騙模式。
詐騙集團如何製造假車禍詐取保險金？
他們利用旅遊意外險理賠審查較寬鬆的特點，夥同被保險人製造假車禍，取得事故聯單與診斷證明後，再以高額的自費「PRP」療程大幅提高理賠金額，向多家保險公司申請重複理賠。
此案件涉及多少金額與多少人？
該集團總計製造6次假車禍，成功詐得超過新台幣200萬元，共有23名被告遭到士林地檢署起訴。
檢方對主要嫌疑人求刑多久？
檢方認為陳姓主嫌濫用保險專業知識，惡性重大，請求法院對其重判有期徒刑3年6個月。
哪些保險公司是這次詐騙案的受害者？
根據報導，提起告訴的包括富邦產業保險公司、華南產物保險公司、以及新光產物保險公司。