Insurance fraud comprises deliberate concealment or incorrect submission of information regarding an insurance accident in order to obtain compensation to which the claimant is not entitled.
Insurance fraud can include, e.g.:
- To submit falsified documentation.
- Failure to disclose that work has been resumed after a compensation for loss of working ability has or is being paid out.
- Stating that your pain is due to a work injury, whereas in reality they are due to gardening work on weekends.
- To indicate that you have lost more items at an average that you actually have.
- Asking for coverage for medical expenses, not due to an industrial injury.
Insurance fraud is a criminal offence under the Danish Penal Code § 279. The claimant has to commit or try to commit deliberate insurance fraud in order to achieve a compensation for the act to be punishable. Generally, all cases of deliberate insurance fraud will be reported to the police. If the compensation has been paid out, the amount will be reclaimed.
Methods of Investigation
If insurance fraud is suspected, the case will be investigated in order clarify, whether the suspicion is with or without foundation. The investigation may consist of asking for more documentation, carry out surveillance (photo and video), and obtaining witness statements.
We take the risk of fraud very seriously and try to minimize it as much as possible. The investigation of a possible case of insurance fraud is carried out professionally and follows the current legislation in all respects, our internal guidelines and the guidelines from our trade organization Danish Insurance Association (DIA).