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The collusion between the insured and the service providers is a severe problem in insurance market,especially in the area of the automobile insurance,health insurance and injury insurance.Insurance fraud due to asymmetric information has been the obstacle to China?s insurance industry development.Facing such moral hazard costs,insurance companies and regulators should do something to solve it.This paper analyzes collusive insurance fraud base on the game theory and finds main factors bringing insurance fraud costs.And it gives some suggestions to establish an effective anti-fraud mechanism for insurance.