Currently, insurance issues in the field of life insurance just behind motor vehicle insurance products. And the insurance acts of life are littering problem for insurers as well as for society and the managers.
THE OBJECT-GROUP OF SOPHISTICATED INSURANCE
1. AXIAL BEHAVIOR GROUP LIFE INSURANCE BENEFITS RELATED TO THE WORK OF A CHARGE, EXPLOITATION, APPRAISAL RECORD.
Clients intentionally do not provide information or provide false information such as the information related to the current health condition of the insured object record insurance claims … in order to achieve the purpose of the insured. This behavior occurs in the health insurance business and most of the other insurance business.
Insurance agents work control records, insurance claims based on a bogus information about clients to contracts under the name, the age of customers aims to achieve good results in a certain stage will then request the cancellation of the contract.
Insurance agents deliberately hold the insurance contracts of customers to come when time runs out freely consider to achieve insurance brokerage Commission.
The customer informs the agents ask to cancel the insurance contract in the early years of the 2nd time the agents doing the fake procedure to reimburse the customer 1 small sums, but in fact, the client will not receive anything if the cancellation of the contract in 2 first years.
- GROUP INSURANCE ACTS RELATED TO THE WORK OF ASSESSMENT, COMPENSATION OR PAYMENT OF INSURANCE BENEFITS.
Self-harm you in order to receive compensation insurance: this insurance acts primarily occurs on casualty insurance such as motor vehicle insurance business, and property damage insurance, hull insurance. Also like life insurance: insurance product mixture, Tu KY illness and health insurance business, and. .. The insured person arbitrarily injures themselves to get compensation, or motor vehicle self-sabotaging parts of cars or ruin in the form of burning car, veered the car off,
Create fake profiles, fake scene and change the details of the accident: insurance this behavior occurs in both the insurance profession. For example, the insured person does not have the hospital but still set up hospital control to be paid benefits in support of the hospital or the hospital confirmed the number of days in the hospital more than the number of days in the hospital on the fact in order to be entitled to benefits.
Declare containment level increases or losses: this behavior occurs in: motor vehicle insurance services, insurance services, and insurance products are mixed, term life insurance. Such as: who was insurance fraud with officers, the basis of the examination, the doctor, to increase or control a number of hospital fees, medicines, money or ask the doctor listed many expensive drugs. But when the insured buy medication does not buy the drugs, which use this to request prescription insurance coverage entitlement to gain.
CRIMINAL PROCESSING FOR SOME CASES PROFITED FROM LIFE INSURANCE
Through practice, when addressing the violations, in the area of the insurance business. As insurance, the behavior, the application of legal penalties not sufficient deterrence against breaches of the laws relevant to the insurance acts. Specifically, such as:
In civil cases, patent disputes on an insurance contract, the result of a civil court only stops in the Declaration of grace: the insurer has the right to compensation or not, as a result of the material.
Criminal sanctions: not yet have specific provisions on the processing of criminal behavior with respect to insurance. We still apply the provisions on the offenses: fraud seized property, counterfeit seals, documents the Agency Organization, property embezzlement, … in the criminal code in order to handle the insurance acts. But in fact, the crime is still not yet properly reflect the nature and characteristics of the insurance act, so it is difficult to apply.