What Do Engineered Claims Look Like?
The recurring inventory: motor accidents staged after midnight on empty stretches with cooperative witnesses; health claims inflated through obliging hospitals or for treatment never taken; goods 'destroyed' in fires that accounting shows were never in stock; thefts reported for assets already sold; and policies purchased days before remarkably timely losses. Each pattern has tells that field verification exposes.
How Does a Claim Investigation Proceed?
Independent verification runs on parallel tracks:
- Incident verification: site inspection, police and hospital record cross-checks, and genuine-witness location
- Loss verification: did the claimed assets exist, at claimed values: stock records, purchase trails, capacity checks
- Document forensics: bills, reports and estimates tested for fabrication and backdating
- Claimant profile: claim history across insurers, financial stress signals and links to known fraud rings
Why Does Investigation Serve Honest Policyholders?
Every fraudulent crore paid is priced into everyone's premiums, and fraud-heavy books make insurers slower and more suspicious with genuine claims. Fast, professional verification protects the honest majority twice over, their premiums and their settlement speed. Insurers and corporate self-insured programs both use Garuda for exactly this balance.