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In commercial insurance especially health insurance more and more people value today, commercial health insurance company can use of their own advantages in medical security play areas for social insurance can't play a role. However, health insurance operations there exist many risks, the insurance industry faced with good opportunities at the same time, they inevitably bear the health insurance fraud brings the enormous challenges. This paper explains the definition of commercial health insurance, forms and harm, and analysis the reason many health insurance fraud, in reference to American commercial health insurance fraud, based on the experience of our country's commercial health insurance fraud prevention are proposed.

Keywords: commercial health insurance; Insurance fraud; Commercial health insurance fraud

In commercial insurance especially health insurance more and more people value today, commercial health insurance company can use of their own advantages in medical security play areas for social insurance can't play a role. However, health insurance operations there exist many risks, the insurance industry faced with good opportunities at the same time, they inevitably bear the health insurance fraud brings the enormous challenges. This paper explains the definition of commercial health insurance, forms and harm, and analysis the reason many health insurance fraud, in reference to American commercial health insurance fraud, based on the experience of our country's commercial health insurance fraud prevention are proposed.