投保人、受益人故意造成被保险人死亡、伤残或者疾病，骗取保险金的。

An applicant or a beneficiary defrauds insurance money by deliberately causing the death, disability or illness of the insured.

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投保人、受益人故意造成被保险人死亡、伤残或者疾病，骗取保险金的。

Policy holder or the beneficiary intentionally causes the death, injury, or sickness of the insured to deceive insurance money.

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