根据这一规则，投保人所获赔偿金额不得超过其实际损失的金额。
According to this rule the policyholder cannot collect more money than was actually lost.
同时，应在民事实体法中规定对诉讼诈骗行为人实施惩罚性赔偿措施，让其承担超过受害人实际损失的赔偿。
At the same time, civil proceedings in the substantive law of fraud should provide punitive damages measures to allow victims to bear more than the actual loss compensation.
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