本文通过一起保险欺诈案件 ,提出审核保险需求的合理性有利于防范保险欺诈。并通过对保险利益、保险需求的分析得到判断客户的保险需求是否合理的方法 ,进而指出在中国保险业飞速发展的今天 ,核保人应提高对保险欺诈、保险犯罪的防范意识 This article through a combination of insurance fraud cases, put forward the rationality of the audit insurance needs help prevent insurance fraud. And through the analysis of insurance interests and insurance demand, we can get a reasonable way to judge the customer’s insurance demand. Then it points out that in the rapid development of China’s insurance industry, the underwriter should raise awareness of insurance fraud and insurance crime prevention