Author

Borovskikh R.N.

Title of article

Payments fraud and insuarance fraud: problem issues of classification

Section

Section 3. Criminal Law

Issue, year

3 (33) 2015

Abstract

Articles 159.2 “Payments fraud” and 159.5 “Insurance fraud” were added to the RF Criminal Code according to the Federal law N 207-FZ of November, 29, 2012. The legal structures of these new norms relating to the separate types of fraud are criticized in the scientific literature. There are some difficulties associated with insufficient accuracy of defining the indications of subject of the crimes under consideration. The competition between the above-mentioned penal norms appears in the cases when the subject of crime is cash resources being paid in the form of social payments from the funds, which are formed basing on the insurance principles (e.g. when insuring definite persons through the RF Social insurance fund). The basic rules of distinguishing such crimes are argued. The subject of the payments fraud can be social insurance payments, notably cash resources being paid within the system of state social insurance from the budget of the Social insurance fund or other state non-budget funds. If social insurance payments (e.g. when compensating harm to the health in case of military injury) are made from the funds of insurance organizations (if contracts for insurance of servicemen, law enforcement officers or other recipients were signed with these organizations), they are considered as a subject of crime stipulated in the Article 159.5 of the RF Criminal Code – insurance fraud.

Keywords

fraud, payments fraud, social payments, benefits, compensations, grants, insurance fraud, insurance premiums, insurance payouts, agricultural insurance.

References

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