Insurance & Fraud Investigation
Did you know that one of Singapore’s biggest insurance fraud cases involved a false claim worth nearly S$1.6 million?
We recognise the serious financial and reputational impact fraudulent claims create for insurers, corporations and policyholders. We aim to support findings with verifiable evidence and confirm that only valid claims move forward.
Our team of experienced insurance fraud investigators investigate suspicious injury claims, staged accidents and exaggerated losses. Backed by modern intelligence tools and digital technology, our findings deliver clear results for your organisation.
What is an Insurance Fraud Investigator?
An insurance fraud investigator is a licensed professional who investigates suspicious claims to determine whether they are genuine or fraudulent in nature. These specialists gather and analyse evidence, conduct interviews and use surveillance or digital tools to uncover the truth behind a claim.
Once the investigation is complete, the insurance fraud investigator compiles all findings into a detailed report. This includes evidence gathered, observations made and an objective assessment of the claim.
The report can then be used by insurers, businesses or legal teams to decide how to proceed—whether that means approving a genuine claim, rejecting a fraudulent one or taking further legal action if necessary.
Why an Insurance Fraud Investigator is Important
Insurance fraud is more common than many realise, and its effects go far beyond a single false claim. Fraudulent cases cost insurers millions each year, which translates into higher premiums and stricter policies for honest customers.
Here’s how an experienced private insurance fraud investigator creates real value:
Minimise Financial Losses
Fraudulent payouts divert funds away from legitimate claims. Investigators meticulously examine all available information, from medical reports and accident documentation to supporting evidence like police reports and witness statements.
Their ability to detect inconsistencies or fabricated information prevents insurers from making costly errors that could otherwise run into thousands or even millions of dollars.
Protect Genuine Claimants
One of the most important roles of an insurance fraud investigator is to protect honest claimants. The more prevalent fraud becomes, the more sceptical insurance companies can be of all claims, even legitimate ones.
A thorough investigation helps to differentiate between fraudulent and genuine claims. Without a dedicated effort to combat fraud, honest policyholders might face unnecessary delays, extensive scrutiny and potential claim denials due to a general climate of mistrust.
Deters Future Fraud
A visible and effective anti-fraud program acts as a powerful deterrent. When potential fraudsters know that insurance companies are actively investigating claims and successfully prosecuting those who submit false ones, they are less likely to attempt fraud in the first place.
Types of Insurance Fraud Investigator
Insurance fraud takes many forms, depending on the type of policy being exploited. Because of this, insurance fraud investigators often specialise in different areas, each requiring a unique set of expertise, tools and investigative strategies.
Health Insurance Fraud Investigation
This type of fraud has been on the rise, with both individuals and medical providers exploiting loopholes in the system. Health insurance fraud investigators are trained to detect both patient-initiated fraud and professional misconduct by healthcare practitioners.
Life Insurance Fraud Investigation
Life insurance fraud is often more complex and sensitive because it involves issues of identity, death claims and sometimes even criminal intent. Life insurance fraud investigators work closely with law enforcement in cases involving foul play and utilise forensic document examiners to verify the authenticity of applications, medical reports and legal paperwork.
Why Choose Our Insurance Fraud Investigator
Established in 2008 by a former police officer, Integrity Investigation Services brings extensive experience in surveillance, intelligence gathering and criminal investigations.
Our team is dedicated to helping clients protect their assets and ensure the validity of claims with a discreet, professional and results-oriented approach.
Expertise in Fraud Detection
When a claim doesn’t add up, you need investigators who can quickly separate genuine loss from manufactured stories. Our team is led by seasoned private insurance fraud investigators with deep roots in surveillance, intelligence gathering and commercial fraud work.
What this means in practice is a thorough, end-to-end investigation that leaves no gaps. We build cases methodically, verify claims and present evidence that can stand up to scrutiny. Our team also applies local knowledge so the results are relevant and truly useful to those who need them.
Discreet and Professional Approach
Fraud investigations only work when they’re invisible to the subject and unimpeachable to the decision-maker. We operate strictly within Singapore law, with every action carried out lawfully and with highest precision.
You can expect a clear scope and transparent costs from the start, 24/7 responsiveness to handle urgent claims, and a secure handling process for all evidence.
Proven Track Record
For more than a decade, we’ve built a proven track record helping insurance companies, law firms and corporates in Singapore stop fraudulent claims in their tracks. Our investigations have prevented unwarranted payouts, strengthened claim denials and given clients the confidence to escalate matters to law enforcement when necessary.
Our Insurance Fraud Investigator Process
Our investigations follow a clear, legally compliant workflow to produce reliable, court-ready outcomes while protecting your reputation and minimising exposure. Below you’ll find a detailed look at how we move from suspicion to substantiated findings:
Case Assessment
Every investigation starts with a comprehensive case review. At this stage, the focus is on understanding the claim, identifying red flags and mapping out the best strategy for moving forward. It is a critical step that sets the direction for the entire inquiry.
Evidence Gathering
Once the case has been assessed, we move into the evidence-gathering phase. We verify information, review documentation and make discreet enquiries to validate or challenge what has been submitted.
Surveillance & Monitoring
Carried out with complete discretion, this stage provides an objective account of the claimant’s activities. Professional observation techniques are used to ensure subjects remain unaware, while behaviour and movements are recorded.
The purpose is to document activities that contradict the claimant’s statements about their injuries or limitations. For example, video footage of a claimant with a back injury lifting heavy objects or running errands without assistance can serve as evidence.
Reporting & Testimony
The final step of the process is the preparation of a clear and comprehensive report. The investigator compiles all the evidence gathered—interviews, documents, surveillance footage and expert opinions—into a detailed, chronological report.
This report is then submitted to the insurance company’s claims department or legal team. The report is written with legal standards in mind and is often used to deny the claim, settle the case, or file a criminal or civil suit against the claimant.
Benefits of Working With Us
What do you gain from working with professional fraud investigators?
Cost Savings For Insurers and Businesses
Fraudulent payouts can drain resources that should rightfully go to genuine claimants. When working with professional investigators, insurers and businesses can avoid these unnecessary losses.
Preventing false claims also helps control long-term operational costs. When fewer fraudulent cases slip through, insurers are better positioned to maintain competitive premiums.
Prevention of Fraudulent Claims
When the word gets out that your company takes fraud seriously and is willing to conduct thorough investigations, it sends a clear message to potential fraudsters. This proactive stance makes your company a less appealing target for fraudsters, who will likely seek out insurers with a more lenient or less scrutinising process.
Legal Compliance and Strong Evidence
Investigating fraud requires evidence that can withstand legal and regulatory scrutiny. Our investigations are performed with integrity and full compliance with legal and ethical standards, producing evidence that is both credible and admissible in court.
Get Started With a Confidential Consultation Today
Protect your organisation from costly fraud. Speak with our private insurance fraud investigators and get clear answers you can act on.
FAQs
1What is the role of an insurance investigator?
An insurance investigator’s role is to determine whether a claim is genuine or fraudulent. They carefully review claim documents, interview witnesses and verify information to detect inconsistencies or falsehoods. Investigators may also conduct surveillance or use digital tools to confirm the accuracy of a claimant’s statements.
2What is a fraud investigation in insurance?
Fraud investigation in insurance is the process of examining suspicious claims to determine if deceit or misrepresentation is involved. This could include staged accidents, exaggerated injuries, falsified medical records or inflated bills.
3What is the difference between an AML investigator and a fraud investigator?
While both deal with financial crime, their focus is different. An AML (Anti-Money Laundering) investigator focuses on tracking and preventing the illegal movement of money, such as laundering criminal proceeds through financial systems, while a fraud investigator uncovers deceit or misrepresentation for wrongful gain.