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src=\"https:\u002F\u002Foss.articledatacenter.com\u002Fadc\u002Fmedia\u002F89\u002Fadcimg_01kxn3aff77wpdje4ezp148rm9.jpg\" alt=\"商业罪案调查科官员与保险业代表说明案情细节\">\u003Cfigcaption>商业罪案调查科讹骗调查组高级督察刘兆宝（左）及香港保险业联会行政总监刘佩玲（右）向媒体说明案件详情。（梁伟权摄）\u003C\u002Ffigcaption>\u003C\u002Ffigure>\u003Cp>据警方披露，诈骗集团通过保险从业人员安排客户到指定美容中心接受水光针注射、去斑等美容项目后，\u003Cstrong>由涉案医生开具虚假医疗证明\u003C\u002Fstrong>，将这些项目伪报为\"去疣\"、\"脓疮引流\"等医疗保险可覆盖的手术项目。\u003C\u002Fp>\u003Cp>商业罪案调查科讹骗调查组高级督察刘兆宝指出，调查发现部分医疗证明的签发日期存在明显问题：\"在所谓的治疗日期，部分医生或患者根本不在香港境内。\"每宗虚假索赔金额从数千至两万港元不等。\u003C\u002Fp>\u003Ch2>集团运作模式与涉案规模\u003C\u002Fh2>\u003Cfigure>\u003Cimg src=\"https:\u002F\u002Foss.articledatacenter.com\u002Fadc\u002Fmedia\u002F8f\u002Fadcimg_01kxn3afffj3n1p8gb9dbc0t29.jpg\" alt=\"警方展示涉案美容中心的诈骗手法\">\u003Cfigcaption>该犯罪集团通过伪造医疗记录，将美容项目虚报为可获保险理赔的手术项目。（警方提供）\u003C\u002Ffigcaption>\u003C\u002Ffigure>\u003Cp>警方深入调查发现，涉案美容中心在2025年6月至2026年4月期间，向多家保险公司提交了约200宗索赔申请，总金额超过200万港元。其中已确认有9宗案件涉及虚假索赔，金额达11.4万港元。\u003C\u002Fp>\u003Cblockquote>\"假借'打疣'或去脓疮名义进行美容项目，这些绝非医疗保险的保障范围。\"香港保险业联会行政总监刘佩玲强调。\u003C\u002Fblockquote>\u003Cp>被捕的14人包括3男11女（19至69岁），其中有美容中心职员、注册医生、保险代理及索赔人。警方在搜查行动中查获多部电子设备及相关文件。\u003C\u002Fp>\u003Ch2>保险业警示诈骗风险\u003C\u002Fh2>\u003Cfigure>\u003Cimg src=\"https:\u002F\u002Foss.articledatacenter.com\u002Fadc\u002Fmedia\u002F47\u002Fadcimg_01kxn3affkk92k3qx7qd55xb9a.jpg\" alt=\"警方展示查获的涉案物品\">\u003Cfigcaption>警方在行动中查获多部手机、电脑及文件作为证据。（梁伟权摄）\u003C\u002Ffigcaption>\u003C\u002Ffigure>\u003Cp>刘佩玲指出，香港医疗索赔数据显示，\"去疣\"手术在常见手术中排名第二、三位，占前十大手术案例的近30%。\"这一比例在全球范围都属异常，不排除其中存在大量以美容项目冒领保险的情况。\"\u003C\u002Fp>\u003Cp>数据显示，香港医疗开支在疫情后显著增长，2023年较2019年上升60%。刘佩玲警告，若欺诈行为持续，保险公司可能被迫提高保费，最终将由全体投保人承担损失。\u003C\u002Fp>\u003Ch2>法律后果与公众警示\u003C\u002Fh2>\u003Cfigure>\u003Cimg 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