{"id":998,"date":"2026-09-28T07:19:49","date_gmt":"2026-09-28T07:19:49","guid":{"rendered":"https:\/\/insuranceresolve.com\/blog\/?p=998"},"modified":"2026-09-28T07:19:49","modified_gmt":"2026-09-28T07:19:49","slug":"insurance-fraud-how-to-protect-yourself","status":"publish","type":"post","link":"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/","title":{"rendered":"Insurance Fraud: How to Protect Yourself"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Insurance is meant to provide financial protection during difficult situations. However, fraudulent activities can target policyholders at different stages \u2014 from buying a policy to receiving a claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance fraud may involve fake calls, misleading offers, forged documents, impersonation, unauthorized transactions, or false promises regarding policy benefits. Being aware of common warning signs can help policyholders protect their money and personal information.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#What_Is_Insurance_Fraud\" >What Is Insurance Fraud?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Common_Types_of_Insurance_Fraud\" >Common Types of Insurance Fraud<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Fake_Insurance_Calls\" >Fake Insurance Calls<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Fake_Claim_Settlement_Offers\" >Fake Claim Settlement Offers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Fake_IRDAI_or_Government_Representatives\" >Fake IRDAI or Government Representatives<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Misleading_Insurance_Sales\" >Misleading Insurance Sales<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Identity_and_Account_Fraud\" >Identity and Account Fraud<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Warning_Signs_of_Insurance_Fraud\" >Warning Signs of Insurance Fraud<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#How_to_Protect_Yourself\" >How to Protect Yourself<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Verify_the_Person_Selling_or_Servicing_the_Policy\" >Verify the Person Selling or Servicing the Policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Read_the_Policy_Documents\" >Read the Policy Documents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Be_Careful_With_Personal_Information\" >Be Careful With Personal Information<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Verify_Payment_Requests\" >Verify Payment Requests<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Keep_Records\" >Keep Records<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#What_If_You_Suspect_Insurance_Fraud\" >What If You Suspect Insurance Fraud?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Insurance_Fraud_and_Mis-Selling_Are_Not_Always_the_Same\" >Insurance Fraud and Mis-Selling Are Not Always the Same<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Final_Thoughts\" >Final Thoughts<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/#Insurance_Resolve\" >Insurance Resolve<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_Insurance_Fraud\"><\/span>What Is Insurance Fraud?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"725\" src=\"https:\/\/insuranceresolve.com\/blog\/wp-content\/uploads\/2026\/09\/28-9-1-1-1024x725.png\" alt=\"\" class=\"wp-image-1000\" srcset=\"https:\/\/insuranceresolve.com\/blog\/wp-content\/uploads\/2026\/09\/28-9-1-1-1024x725.png 1024w, https:\/\/insuranceresolve.com\/blog\/wp-content\/uploads\/2026\/09\/28-9-1-1-300x212.png 300w, https:\/\/insuranceresolve.com\/blog\/wp-content\/uploads\/2026\/09\/28-9-1-1-767x543.png 767w, https:\/\/insuranceresolve.com\/blog\/wp-content\/uploads\/2026\/09\/28-9-1-1-1140x806.png 1140w, https:\/\/insuranceresolve.com\/blog\/wp-content\/uploads\/2026\/09\/28-9-1-1.png 1491w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance fraud refers to dishonest or deceptive activities connected with insurance transactions. It can be committed by individuals, intermediaries, policyholders, or other parties.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a policyholder, fraud may occur when someone falsely claims to represent an insurance company or a regulator, asks for money to release a claim, promises unrealistic returns, or tries to obtain sensitive personal information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRDAI has specifically cautioned the public about spurious calls and fictitious or fraudulent offers, including people falsely presenting themselves as representatives of IRDAI or insurers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_Types_of_Insurance_Fraud\"><\/span>Common Types of Insurance Fraud<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fake_Insurance_Calls\"><\/span>Fake Insurance Calls<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Fraudsters may call policyholders claiming that they are from an insurance company, IRDAI, a bank, or another authority. They may offer policy upgrades, refunds, bonuses, or claim-related assistance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A caller creating urgency and demanding immediate payment should be treated with caution.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fake_Claim_Settlement_Offers\"><\/span>Fake Claim Settlement Offers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some fraudsters may promise to release a pending insurance claim after payment of a processing fee, tax, verification charge, or other amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This type of fraud is particularly dangerous because the fraudster may already know some details about the policyholder or claim.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fake_IRDAI_or_Government_Representatives\"><\/span>Fake IRDAI or Government Representatives<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Fraudsters may use the names and logos of regulatory or government organisations to appear genuine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRDAI has warned that it does not sell insurance products or invest insurance premiums.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Misleading_Insurance_Sales\"><\/span>Misleading Insurance Sales<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Fraud can also involve misleading representations about policy benefits, returns, coverage, or conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, a person may be told that an insurance policy is a guaranteed investment or that certain benefits are included when they are not actually available under the policy terms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Identity_and_Account_Fraud\"><\/span>Identity and Account Fraud<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance transactions involve personal information such as identity documents, contact details, bank information and KYC information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sharing sensitive information with an unverified person can expose a policyholder to financial and identity-related risks. IRDAI&#8217;s cyber-security guidance advises policyholders to provide personal information only when necessary and not to share passwords, PINs or OTPs without being certain about their use.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Warning_Signs_of_Insurance_Fraud\"><\/span>Warning Signs of Insurance Fraud<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Certain situations should make a policyholder more cautious:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>A caller claims to be from IRDAI and asks for money.<\/li>\n\n\n\n<li>Someone promises unusually high or guaranteed returns.<\/li>\n\n\n\n<li>You are told that a claim will be paid only after making a payment.<\/li>\n\n\n\n<li>A person asks for your OTP, PIN or account password.<\/li>\n\n\n\n<li>You are pressured to make an immediate payment.<\/li>\n\n\n\n<li>An unknown person asks you to scan a QR code to receive an insurance payment.<\/li>\n\n\n\n<li>Someone asks you to transfer money to a personal bank account.<\/li>\n\n\n\n<li>An agent refuses to provide identification or licence details.<\/li>\n\n\n\n<li>You receive a suspicious link or email asking for sensitive information.<\/li>\n\n\n\n<li>Someone asks you to sign documents without allowing you to read them.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">IRDAI&#8217;s current Bima Bharosa portal specifically warns complainants that it <strong>does not ask policyholders to make payments<\/strong> and advises them not to scan QR codes or use links claiming to provide a grievance-related disbursement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Protect_Yourself\"><\/span>How to Protect Yourself<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Verify_the_Person_Selling_or_Servicing_the_Policy\"><\/span>Verify the Person Selling or Servicing the Policy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When purchasing insurance, verify the credentials of the agent or intermediary. IRDAI advises policyholders to ask an individual insurance agent for their licence and identity card.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Read_the_Policy_Documents\"><\/span>Read the Policy Documents<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Do not rely only on verbal explanations. Check the policy schedule, benefits, exclusions, conditions, premium, policy term and other important documents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The written policy documents should be treated as an important reference when understanding your insurance coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Be_Careful_With_Personal_Information\"><\/span>Be Careful With Personal Information<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Do not casually share:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>OTPs<\/li>\n\n\n\n<li>PINs<\/li>\n\n\n\n<li>Passwords<\/li>\n\n\n\n<li>Banking credentials<\/li>\n\n\n\n<li>Card information<\/li>\n\n\n\n<li>Unnecessary KYC documents<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">IRDAI&#8217;s cyber-security guidance specifically warns policyholders against sharing passwords and OTPs and recommends using secure, genuine insurance websites.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Verify_Payment_Requests\"><\/span>Verify Payment Requests<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Before making any insurance-related payment, independently verify the request through the insurer&#8217;s official communication channels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A request for money to release a claim or resolve a complaint should receive particular scrutiny.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Keep_Records\"><\/span>Keep Records<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Keep copies of your policy documents, premium receipts, emails, claim communications, payment records and other important correspondence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These records can be useful if a transaction or communication later becomes disputed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_If_You_Suspect_Insurance_Fraud\"><\/span>What If You Suspect Insurance Fraud?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you believe that you have been targeted by fraud, preserve the available evidence such as messages, emails, phone numbers, payment details, documents and screenshots.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For an insurance grievance, the first point of contact is generally the insurer&#8217;s grievance redressal mechanism. If the matter is not resolved satisfactorily, policyholders can use <strong>Bima Bharosa<\/strong>, IRDAI&#8217;s grievance-management platform. The current Bima Bharosa system provides complaint registration and tracking, and lists the toll-free numbers <strong>155255<\/strong> and <strong>1800 4254 732<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Where criminal fraud or financial crime is suspected, the matter may also require reporting to the appropriate law-enforcement or cybercrime authorities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurance_Fraud_and_Mis-Selling_Are_Not_Always_the_Same\"><\/span>Insurance Fraud and Mis-Selling Are Not Always the Same<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance fraud and mis-selling can overlap, but they are not identical.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mis-selling<\/strong> generally involves misleading or inappropriate selling of an insurance product, such as providing an incorrect impression about its benefits or suitability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fraud<\/strong> involves deliberate deception or dishonest conduct intended to obtain an unlawful or improper benefit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The facts and circumstances of each case matter, so a disputed insurance transaction should be assessed based on the available documents and communications.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span>Final Thoughts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance fraud often succeeds because a fraudster creates urgency, trust or fear. Taking a few moments to verify information before sharing sensitive details or making payments can reduce the risk of becoming a victim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding your policy, verifying representatives, protecting personal information and keeping proper records are important parts of being a careful policyholder.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurance_Resolve\"><\/span>Insurance Resolve<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Insurance Resolve helps policyholders understand and address insurance-related concerns<\/strong>, including:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Insurance Mis-Selling<\/li>\n\n\n\n<li>Claim Rejection<\/li>\n\n\n\n<li>Claim Delay<\/li>\n\n\n\n<li>Claim Short Settlement<\/li>\n\n\n\n<li>Lapsed Policy Issues<\/li>\n\n\n\n<li>Insurance Service Issues<\/li>\n\n\n\n<li>Other Insurance-Related Problems<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcde <strong>+91 9910352249<\/strong><br>\ud83d\udce7 <strong><a>help@insuranceresolve.com<\/a><\/strong><br>\ud83c\udf10 <strong><a>www.insuranceresolve.com<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Insurance Resolve \u2013 We Resolve. You Relax.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Insurance is meant to provide financial protection during difficult situations. However, fraudulent activities can target policyholders at different stages \u2014 from buying a policy to receiving a claim. Insurance fraud may involve fake calls, misleading offers, forged documents, impersonation, unauthorized transactions, or false promises regarding policy benefits. Being aware of common warning signs can help policyholders protect their money and personal information. What Is Insurance Fraud? Insurance fraud refers to dishonest or deceptive activities connected with insurance transactions. It can be committed by individuals, intermediaries, policyholders, or other parties. For a policyholder, fraud may occur when someone falsely claims to represent an insurance company or a regulator, asks for money to release a claim, promises unrealistic returns, or tries to obtain sensitive personal information. IRDAI has specifically cautioned the public about spurious calls and fictitious or fraudulent offers, including people falsely presenting themselves as representatives of IRDAI or insurers. Common Types of Insurance Fraud Fake Insurance Calls Fraudsters may call policyholders claiming that they are from an insurance company, IRDAI, a bank, or another authority. They may offer policy upgrades, refunds, bonuses, or claim-related assistance. A caller creating urgency and demanding immediate payment should be treated with caution. Fake Claim Settlement Offers Some fraudsters may promise to release a pending insurance claim after payment of a processing fee, tax, verification charge, or other amount. This type of fraud is particularly dangerous because the fraudster may already know some details about the policyholder or claim. Fake IRDAI or Government Representatives Fraudsters may use the names and logos of regulatory or government organisations to appear genuine. IRDAI has warned that it does not sell insurance products or invest insurance premiums. Misleading Insurance Sales Fraud can also involve misleading representations about policy benefits, returns, coverage, or conditions. For example, a person may be told that an insurance policy is a guaranteed investment or that certain benefits are included when they are not actually available under the policy terms. Identity and Account Fraud Insurance transactions involve personal information such as identity documents, contact details, bank information and KYC information. Sharing sensitive information with an unverified person can expose a policyholder to financial and identity-related risks. IRDAI&#8217;s cyber-security guidance advises policyholders to provide personal information only when necessary and not to share passwords, PINs or OTPs without being certain about their use. Warning Signs of Insurance Fraud Certain situations should make a policyholder more cautious: IRDAI&#8217;s current Bima Bharosa portal specifically warns complainants that it does not ask policyholders to make payments and advises them not to scan QR codes or use links claiming to provide a grievance-related disbursement. How to Protect Yourself Verify the Person Selling or Servicing the Policy When purchasing insurance, verify the credentials of the agent or intermediary. IRDAI advises policyholders to ask an individual insurance agent for their licence and identity card. Read the Policy Documents Do not rely only on verbal explanations. Check the policy schedule, benefits, exclusions, conditions, premium, policy term and other important documents. The written policy documents should be treated as an important reference when understanding your insurance coverage. Be Careful With Personal Information Do not casually share: IRDAI&#8217;s cyber-security guidance specifically warns policyholders against sharing passwords and OTPs and recommends using secure, genuine insurance websites. Verify Payment Requests Before making any insurance-related payment, independently verify the request through the insurer&#8217;s official communication channels. A request for money to release a claim or resolve a complaint should receive particular scrutiny. Keep Records Keep copies of your policy documents, premium receipts, emails, claim communications, payment records and other important correspondence. These records can be useful if a transaction or communication later becomes disputed. What If You Suspect Insurance Fraud? If you believe that you have been targeted by fraud, preserve the available evidence such as messages, emails, phone numbers, payment details, documents and screenshots. For an insurance grievance, the first point of contact is generally the insurer&#8217;s grievance redressal mechanism. If the matter is not resolved satisfactorily, policyholders can use Bima Bharosa, IRDAI&#8217;s grievance-management platform. The current Bima Bharosa system provides complaint registration and tracking, and lists the toll-free numbers 155255 and 1800 4254 732. Where criminal fraud or financial crime is suspected, the matter may also require reporting to the appropriate law-enforcement or cybercrime authorities. Insurance Fraud and Mis-Selling Are Not Always the Same Insurance fraud and mis-selling can overlap, but they are not identical. Mis-selling generally involves misleading or inappropriate selling of an insurance product, such as providing an incorrect impression about its benefits or suitability. Fraud involves deliberate deception or dishonest conduct intended to obtain an unlawful or improper benefit. The facts and circumstances of each case matter, so a disputed insurance transaction should be assessed based on the available documents and communications. Final Thoughts Insurance fraud often succeeds because a fraudster creates urgency, trust or fear. Taking a few moments to verify information before sharing sensitive details or making payments can reduce the risk of becoming a victim. Understanding your policy, verifying representatives, protecting personal information and keeping proper records are important parts of being a careful policyholder. Insurance Resolve Insurance Resolve helps policyholders understand and address insurance-related concerns, including: \ud83d\udcde +91 9910352249\ud83d\udce7 help@insuranceresolve.com\ud83c\udf10 www.insuranceresolve.com Insurance Resolve \u2013 We Resolve. You Relax.<\/p>\n","protected":false},"author":1,"featured_media":999,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[153,14,15],"tags":[],"class_list":["post-998","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-fraud","category-insurance-resolve","category-insurance-resolve-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance Fraud: How to Protect Yourself - Insurance resolve<\/title>\n<meta name=\"description\" content=\"Insurance Fraud: How to Protect Yourself \u2014 Learn about common insurance frauds, fake calls, misleading offers, suspicious payments, identity risks and practical ways policyholders can stay protected.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insuranceresolve.com\/blog\/2026\/09\/28\/insurance-fraud-how-to-protect-yourself\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance Fraud: How to Protect Yourself - 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