Essay On Insurance Frauds
After section which describes about functional classification of insurance frauds we will mention the most common types of insurance frauds, describing which fraudulent activities are the most frequent. Insurance is one of fastest developing areas in economy world, following with its all trends and innovations, so on the other hand it is field which involves many criminal and fraudulent activities because of nature of insurance as business. Therefore, there are many ways and actions how the insurance system is misused and cheated, but we will provide a focus on the most frequent types of insurance frauds which we divided into four categories: health frauds, automobile frauds, life frauds and property insurance frauds.
1. HEALTHCARE
The health
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The people from chain accident may involve insurance claims and to have fake police reports based on which they would application for insurance coverage. So, this type of insurance fraud has increasing trend which is becoming the serious issue in insurance companies worldwide, because they need to spend a billions of every year and compensate that with making the premiums higher which is involving the people who didn’t even committed the fraud. The common example in automobile insurance frauds is creating the chain accident where the all participants of collision are in agreement to intentionally made car damage in order to get coverage from insurance companies. Another example of this fraud is intentionally jumping in front of the car, which may have fatal consequences, in exchange for insurance claim for being hit by car. Therefore, automobile frauds are committed when someone exaggerates or fabricate a claim which is submitted to their insurance provider. Regarding the exaggerating claims are actions of dishonest insurer to take an opportunity to add more damage to their cars and exaggerating the real damage done to car in traffic
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