1, object elements, the object of this crime is the property ownership of the insurance company;

2. objective factors. Objectively, this crime is manifested as the insured's deliberate fabrication of the subject matter of insurance to defraud the insurance money;

3. Main constituent elements: the subject of this crime is a special subject, which can only be composed of the insured, the insured and the beneficiary;

4. Subjective elements, this crime is intentional in subjective aspects.

legal ground

Article 198 of the criminal law

An applicant who intentionally fabricates the subject matter of insurance to defraud insurance money belongs to the crime of insurance fraud, and if the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan, or his property shall be confiscated.