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In recent years, China’s insurance industry has developed rapidly and its scale has been expanding. By the end of 2017, the original premium income of insurance companies has reached 365.8101 billion yuan, an increase of 18.16 percent over the same period last year. For health insurance, there are two main reasons for its rapid development. First of all, the rapid development of our economy has improved people’s lives, and residents’ demands for health have increased. Therefore, premium income has been increased correspondingly, and health insurance has been further developed. In addition, the CPC central committee and the state council issued the opinion on deepening the reform of the medical and health system in 2009, and proposed to speed up the establishment and improvement of the multilevel medical security system, which covers both urban and rural residents and includes commercial health insurance, primary medical insurances, other supplementary medical insurances and assistance. Subsequently, the government has issued various policies to encourage the development of health insurance, which provides a favorable policy environment for the development of health insurance.

Insurance fraud has always existed in the insurance industry. With the continuous development of China's insurance industry, the problem of insurance fraud has become increasingly serious. After 2000, Internet insurance gradually emerged. The sale of insurance products through the Internet has already occupied a place in the sales of insurance business. At the same time, the problem of insurance fraud of Internet insurance has gradually emerged, and its severity cannot be underestimated. Insurance products are sold through the Internet and sold through traditional forms. The sales model and risk control model are very different. The traditional anti-insurance fraud method cannot be fully applied to the anti-fraud of Internet insurance. Then, it is especially important to analyze the characteristics of Internet insurance fraud and establish an anti-fraud risk control system.