According to the American experience, there is about ten percent cheated by insurance fraud. In the same proportion in Taiwan, the annual amount of insurance fraud may reach 14 billion dollars.This study of insurance fraud and insurance crime patterns from the cases of life insurance,health insurance and accident insurance,which analyses the illegal behaviors of criminals and diverse crime patterns, from the past self-mutilation methods of ”Gold finger”and”Gold arm” to the recent “Pseudo-head”,”Pseudo-disease”and “Pseudo-accident” in order to defraud insurance. In this paper, for the problem of moral hazard faced by insurance companies, we propose the related risk control and suggestions to prevent insurance fraud and organized criminal groups.