Insurance Fraud

Detektei Bayerl has had a number of insurance companies amongst its customers for many years. Fraudulent claims to insurance companies in order to gain unjustified payouts are a crime.

According to the Gesamtverband der Deutschen Versicherungswirtschaft (GDV) – the General Association of the German Insurance Industry – the annual damage by fraud against indemnity and accident-insurances is about four billion Euros.

We distinguish between three kinds of insurance fraud:

  • Misstatements regarding the occurrence of the damage
  • Exaggerated amount of damage
  • Claiming damage which has never occurred at all

In the health-care sector damage is especially high. Pension payments on grounds of alleged inability to work cause annual losses running into billions for the community of policyholders. Here again, detective work like surveillance and investigation is required.

An example of a recent case we investigated:

A physiotherapist ran his own practice for years although he claimed to be officially suffering from inability to work. After his insurance company had granted him a monthly inability-to-work-pension because of the documents he provided, he officially left his own practice and his wife took over as owner.

After a number of hints to the insurance company which had indicated that the therapist was still working unofficially in his former practice, the team of Detektei Bayerl was assigned to surveillance of the insurance customer and to conduct undercover investigations.

Our agents were able to prove the insurance fraud by their observations and discreet investigations and secured the necessary evidence.

The surveillance- and investigations report and the compelling photographic proof lead to immediate cancellation of the insurance payments and substantial claims for compensation and damages against the fraudulent therapist.

We’re looking forward to a first conversation with you!

Our services in economic investigation

  • Address and residence determination
  • Detecting interception technology
  • Theft and embezzlement
  • Sick-Note fraud
  • Trademark and product piracy
  • Employee and field service verification
  • Insurance fraud
  • Infringement of competition
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