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自编自演 4贪官骗保2000万

2017-08-29 09:26:02   国际在线

量身定做

  鉴定意见批量“复印”

按理说,测产报告和鉴定意见应像交警出具的责任认定书一样“一案一书”。但在这些理赔档案中的测产报告和鉴定意见却笼统出具“全县粮食因灾减产”的报告和意见,然后,保险公司又将这份报告和意见的“通稿”批量复印。这两份文书与其说是为投保后申请理赔所出具,倒不如说是为保险公司能顺利快捷理赔而量身定做的“道具”。

这一点,案发后在郝民心的供述中得到印证:“出具测产报告和鉴定意见书的正常程序应该是农户受灾后向保险部门报案,保险部门依据农户报案,通知鉴定人员对报案受灾地块进行实地勘验,然后依据勘验结果出具测产报告和受灾鉴定意见,保险公司根据测产报告及受灾鉴定意见书是否达到受灾理赔标准而决定是否理赔。”

但郝民心交代:“我们没有按照正常程序开展测产和鉴定工作。前期不是在接到受灾群众报案后,保险公司来委托我们农业局做减产测评,而是在理赔前,依据保险部门的邀请,受指派的农艺师由保险公司直接带到指定的地块,简单转一下,然后我局按照保险公司的要求出具测产报告和鉴定意见书。而且出具的测产报告和鉴定意见书的内容也是不真实的,是按照保险公司的要求出具因灾种不同而减产70%或30%的每亩损失率。不然保险公司说达不到理赔标准。”

虚假理赔

  炮制一批“受灾”照片

被告人韩香供述:虽然在保险公司的邀请陪同下,花了半天工夫走了个过场,“现场勘验”就结束了,韩香起初还想着出具一份出入不大的测产报告和鉴定意见书,全套流程下来,起码要几天,但保险公司却等不及,直接把电话打过来:“我们已把测产报告和鉴定意见书样本发到你的邮箱了,你就照着写吧。”

韩香打开邮箱,样本赫然在列。他以为保险公司只是提供了一个书写格式而已,遂把自己大致测算出来不怎么符合实际的数据填进去,然后把这份文书打印出来交给保险公司。岂料保险公司立即指出:“不能这么写,这么写我们没法理赔,你就照着样本照葫芦画瓢就行,不用改,明白吗?”照着写,还不用改?这不明摆着就是要把邮箱里那份测产报告和鉴定意见书复制粘贴,这怎么行?韩香一时没了主意,遂找主管领导郝民心请教。郝民心帮其分析利弊:“农业局要大力配合保险公司,提高农户的投保积极性,提升农民参保率。这是必须完成的任务。”

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