保险诈骗罪是指：投保人、受益人、被保险人以虚构的保险事实或者隐瞒事实真相的方法，进行保险诈骗活动，骗取保险金数额较大的行为。
The insurance swindle is a kind of offence that the insurance holder, the beneficiary and the insured make up the insurance facts or withhold the truth to defraud a large sum of money.
第三种意见认为，韩某等人以非法占有为目的，通过虚构事实或者隐瞒真相的方法，骗取公私财物的，定诈骗罪。
A third view, Mr. Han and others for illegal possession for the purpose of hiding the truth through facts or fiction approach, obtaining public and private property, will be fraud.
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