Insurance detectives

[Группа К]

ASN | 03/10/2017 17:47
Deputy Chairman of the Central Bank: insurance detectives may investigate dubious insurance cases
The insurance community needs to think about systemic legislation against insurance fraud, similar to the way it is in many other countries. This opinion was expressed at a press conference by the Deputy Chairman of the Bank of Russia Vladimir Chistyukhin.
A possible solution could be the creation in Russia of a separate category of specialists - insurance detectives, "who would investigate these" obscure "insurance cases," Chistyukhin noted. “The task is becoming no less important. Interaction with law enforcement agencies is not interesting to us from the point of view of OSAGO legislation - this was manifested both in agricultural insurance and in life insurance. These negative practices are starting to spread, ”he said.
In this regard, the bill on the priority of “in-kind” compensation in OSAGO is important, since it knocks out the “Achilles heel” of the entire system and complicates the process of “easily receiving money by insurance scammers,” Chistyukhin added.
link : ASN | Deputy Chairman of the Central Bank: insurance detectives may investigate dubious insurance cases

I think the idea is tenacious and in demand. What do you say, colleagues?

 

[Alex Sim]

ASN | 03/10/2017 17:47
Deputy Chairman of the Central Bank: insurance detectives may investigate dubious insurance cases
The insurance community needs to think about systemic legislation against insurance fraud, similar to the way it is in many other countries. This opinion was expressed at a press conference by the Deputy Chairman of the Bank of Russia Vladimir Chistyukhin.
A possible solution could be the creation in Russia of a separate category of specialists - insurance detectives, "who would investigate these" obscure "insurance cases," Chistyukhin noted. “The task is becoming no less important. Interaction with law enforcement agencies is not interesting to us from the point of view of OSAGO legislation - this was manifested both in agricultural insurance and in life insurance. These negative practices are starting to spread, ”he said.
In this regard, the bill on the priority of “in-kind” compensation in OSAGO is important, since it knocks out the “Achilles heel” of the entire system and complicates the process of “easily receiving money by insurance scammers,” Chistyukhin added.
link : ASN | Deputy Chairman of the Central Bank: insurance detectives may investigate dubious insurance cases

I think the idea is tenacious and in demand. What do you say, colleagues?

As for the Czech Republic, I can translate the extract from the news line, Česká pojišťovna zřídila své oddělení specializující se na odhalování pojistných podvodů už v roce 1999, which is translated as follows: The Czech insurance company organized its own insurance division specializing in 1999 year. Currently, insurance companies use their insurance detectives almost 99%, the insurance detective has a minimum salary of CZK 50 thousand, i.e. 2 thousand euros, and then bonuses for the identification and length of service. I believe that in the Russian Federation insurance companies will come to the same scheme or will take detective agents on a contractual basis

 

[Группа К]

As for the Czech Republic, I can translate the extract from the news line, Česká pojišťovna zřídila své oddělení specializující se na odhalování pojistných podvodů už v roce 1999, which is translated as follows: The Czech insurance company organized its own insurance division specializing in 1999 year. Currently, insurance companies use their insurance detectives almost 99%, the insurance detective has a minimum salary of CZK 50 thousand, i.e. 2 thousand euros, and then bonuses for the identification and length of service. I believe that in the Russian Federation insurance companies will come to the same scheme or will take detective agents on a contractual basis

Alex, do you have the opportunity to get a detective’s standard contract with an insurance one or the regulations for detectives and insurance in the Czech Republic? It would be interesting to learn from

 

[Плотников Юрий Михайлович]

Insurance companies have in their staff specialist responsible for investigating obscure insurance claims,
as a rule, these are former law enforcement officers, the salary is small within 25-30 thousand rubles, possible
award for successful investigation. Whether they will turn to the services of private detectives is doubtful!

 

[Группа К]

Insurance companies have in their staff specialist responsible for investigating obscure insurance claims,
as a rule, these are former law enforcement officers, the salary is small within 25-30 thousand rubles, possible
award for successful investigation. Whether they will turn to the services of private detectives is doubtful!

A few years ago I received a letter from the insurance company <... ...>. The letter was accompanied by a list of popular services that needed to be evaluated. I didn’t even answer, because the services directly intersected with the methods of the ARD. So there is demand, but we need to work on a competent commercial offer. Then the client will reach.

 

[Детективное агентство Тула]

Well, if there are experts involved in detective AUDIT, then why not show INSURANCE detectives?
Search will be dealt with, respectively, by SEARCH detectives, cheating - CHANGE (CHANGE) detectives, etc. etc.
Long live the NARROW SPECIALIZATION in a detective craft!

 

[Люков]

it’s very interesting, besides this, you can engage in work against theft in supermarkets, work in educational institutions against all kinds of negative influences on students, detective work in hotels, film studios, concert venues, etc.

 

[Группа К]

detective work in hotels, film studios, concert venues, etc.

In addition, it is not just about how to somehow separate us, detectives, from the mass of other related derivative professions, but to provide an opportunity for a private investigator to earn money legally. And the more such sectors of the economy will be, the better for us and for the national economy. It is strange for me that over the 20 years of the existence of detective associations, this question has not yet been raised by anyone. Although maybe I don’t know something ...

 

[НСК-СБ]

December 04, 2018 12:37
The CBR intends to return to the discussion of expanding the rights of insurance detectives in investigations of insurance fraud in 2019

0
December 4th FINMARKET.RU - In 2019, the Bank of Russia plans to return to the issue of expanding the functionality of the institute of insurance detectives, said Deputy Chairman of the Bank of Russia Vladimir Chistyukhin at the conference "Barrier 2018. Corporate insurance and insurance fraud. "

“Some time ago, we really raised the issue of developing accurate functionality for insurance detectives. If we take their current functionality, then it’s actually the same as the security services of insurance companies can do now, it’s understandable. And many insurance companies use this tool but it has quite serious limitations: from the point of view of receiving information, requesting information, from the point of view of the possibility of the insurance company not to take any actions if there are reasonable suspicions of abuse or insurance fraud. It seems to me that the main discussion that we they haven’t conducted it either within the insurance community or with law enforcement agencies - these are the limits of the functionality of insurance detectives, because it seems to me that if we take such an averaged classic Western option, it’s still some kind of access to the operational-search activity, at least in some minimal part of it. Nevertheless, insurance detectives they will go into this clearing. Whether the insurance community is ready for this and whether law enforcement agencies are ready for this is a very big question. This discussion should be held in 2019, "he said.

Now, according to the legislation, the legal status of law enforcement officers does not apply to insurance detectives, they are not entitled to carry out any operational-search activities. They can only collect information on civil cases, study the market and establish the circumstances of the insurance fraud case, collecting personal information of citizens, but only with their written consent. At the same time, according to the law on operational-search activities, law enforcement agencies also have the right to conduct a survey, examine documents and examine premises and vehicles.

"If you now pass on the information to a private detective who works in accordance with the law on private detective and security activities, it’s quite difficult to prove something and collect information. Everything can be done only with written consent. Today, in the form in which this law exists, develop insurance detectives are impossible.If some functionality of the operative-search activity of law enforcement agencies could be added to the security services of insurance companies and investigations, or if private detectives in the insurance industry were allowed to carry out these actions, then insurance fraud investigation activity would be higher, this would help it’s more efficient to investigate such violations, "said Sergey Efremov, vice president of the All-Russian Union of Insurers.

Published / Interfax /
The CBR intends to return to the discussion of expanding the rights of insurance detectives in investigations of insurance fraud in 2019

 

[Демитрий]

December 04, 2018 12:37
The CBR intends to return to the discussion of expanding the rights of insurance detectives in investigations of insurance fraud in 2019

0
December 4th FINMARKET.RU - In 2019, the Bank of Russia plans to return to the issue of expanding the functionality of the institute of insurance detectives, said Deputy Chairman of the Bank of Russia Vladimir Chistyukhin at the conference "Barrier 2018. Corporate insurance and insurance fraud. "

“Some time ago, we really raised the issue of developing accurate functionality for insurance detectives. If we take their current functionality, then it’s actually the same as the security services of insurance companies can do now, it’s understandable. And many insurance companies use this tool but it has quite serious limitations: from the point of view of receiving information, requesting information, from the point of view of the possibility of the insurance company not to take any actions if there are reasonable suspicions of abuse or insurance fraud. It seems to me that the main discussion that we they haven’t conducted it either within the insurance community or with law enforcement agencies - these are the limits of the functionality of insurance detectives, because it seems to me that if we take such an averaged classic Western option, it’s still some kind of access to the operational-search activity, at least in some minimal part of it. Nevertheless, insurance detectives they will go into this clearing. Whether the insurance community is ready for this and whether law enforcement agencies are ready for this is a very big question. This discussion should be held in 2019, "he said.

Now, according to the legislation, the legal status of law enforcement officers does not apply to insurance detectives, they are not entitled to carry out any operational-search activities. They can only collect information on civil cases, study the market and establish the circumstances of the insurance fraud case, collecting personal information of citizens, but only with their written consent. At the same time, according to the law on operational-search activities, law enforcement agencies also have the right to conduct a survey, examine documents and examine premises and vehicles.

"If you now pass on the information to a private detective who works in accordance with the law on private detective and security activities, it’s quite difficult to prove something and collect information. Everything can be done only with written consent. Today, in the form in which this law exists, develop insurance detectives are impossible.If some functionality of the operative-search activity of law enforcement agencies could be added to the security services of insurance companies and investigations, or if private detectives in the insurance industry were allowed to carry out these actions, then insurance fraud investigation activity would be higher, this would help it’s more efficient to investigate such violations, "said Sergey Efremov, vice president of the All-Russian Union of Insurers.

Published / Interfax /
The CBR intends to return to the discussion of expanding the rights of insurance detectives in investigations of insurance fraud in 2019

The theme is chic and promising! It would not be bad for our association to participate in the discussion of this issue with interested parties and perhaps a breakthrough in the legislation will be obtained in terms of expanding our powers.