Four held for forging death certificate of ‘alive and well’ man to claim insurance of ₹30L

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The police on Thursday arrested 4 individuals, together with a former insurance coverage agent, on fees of forging the demise certificates of the chairman of a outstanding college and making an attempt to dupe him and his household of insurance coverage cash of 30 lakh.

The household is at the moment abroad and confirmed to HT that the chairman is doing properly. They bought wind of the fraud solely when a claims surveyor visited their residence in South Metropolis-1 for verification functions on June 20 and the identical day they alerted the police.

Whereas there have been 4 insurance policies within the chairman’s identify, with a complete declare quantity of 10.5 crore, police mentioned the fraudsters had initiated the method to say solely one of many insurance policies that amounted to 30 lakh.

After coming to know in regards to the declare from the surveyor, the spouse of the chairman complained to the police {that a} fraudulent insurance coverage declare has been made on her behalf by impostors. “The info concerning my nomineeship in 4 insurance coverage insurance policies of my husband had been leaked from the insurance coverage firm and resultantly, some nefarious parts hatched a plan to fraudulently dupe us of the insurance coverage quantity. It’s outrageous how non-public and confidential knowledge of this nature might be leaked by the insurance coverage firm and a correct investigation into it could kindly be undertaken,” she mentioned in her criticism.

She mentioned the suspects falsely registered the demise of her husband with the registrar of births and deaths on the Sector 10 authorities hospital and solid cremation data to acquire a demise certificates dated April 11.

Preet Pal Sangwan, the assistant commissioner of police (crime), mentioned the household was fearful in regards to the motives of the gang. “They had been involved over the protection of their private info, which they mentioned was within the arms of the fraudsters. They had been apprehensive about falling sufferer to cybercrime akin to hacking, counterfeiting of paperwork and knowledge theft. So, we investigated all angles of the case,” he mentioned, including that your entire claims course of was performed on-line.

Sangwan mentioned they tracked the duo who raised the declare utilizing their IP tackle and cell phone data accessible with the insurance coverage agency. One of many suspects had stolen insurance coverage coverage paperwork throughout his stint with the insurance coverage firm, he mentioned.

KK Rao, the commissioner of police, mentioned based mostly on particulars of the policyholder and nominee, they ready a faux driving licence and Aadhaar card within the identify of the nominee. “They used these faux paperwork to open an account with the assistance of their buddy, an agent of a number one non-public financial institution within the metropolis. They despatched all paperwork to the claims division and had been anticipating to money the declare inside 10 days,” he mentioned.

The suspects had been recognized as Rajnikant Kumar, the mastermind, who earlier labored with the insurance coverage firm, Durgesh Dubey, a name centre worker, Naval Kishore, who helped with the opening of the checking account, and Nitish Kumar, a Delhi-based property supplier. One other gang member, who organized for the demise certificates, has been recognized and might be arrested quickly, the police mentioned.

Sangwan mentioned the gang members created a faux e mail account within the identify of the nominee and despatched the cast paperwork to say the insurance coverage cash from that ID. “Of the 4 suspects, two earlier labored with insurance coverage firms and had been conscious of the claims course of and the paperwork required. Bodily verification shouldn’t be necessary for insurance coverage claims of lower than 40 lakh. Conscious of this reality, the accused made one insurance coverage declare of 30 lakh. Nevertheless, they had been unaware that the policyholder had a number of insurance policies with the identical firm, amounting to 10.5 crore,” he mentioned.

As soon as a coverage declare with a demise certificates is made, all different insurance policies within the identify of that particular person are merged into the declare software, following which the insurance coverage firm sends a crew for bodily verification. The fraudsters had been unaware of the verification and the following registration of an FIR on the Sector 29 police station.

“The accused in query had been on a short lived position within the again workplace for few months via a 3rd occasion (outsourced),” mentioned a spokesperson for the insurance coverage firm, including that as a course of, when an insurance coverage declare is made (after demise), the corporate checks its data and merges all insurance coverage claims of a policyholder.

That is performed as a result of the partner/nominee could or might not be conscious of all of the insurance coverage insurance policies the policyholder had, or they may not have paperwork of all insurance policies, the spokesperson defined.

A case below sections 419,420,424,463,465,467,468 and 471 of the Indian Penal Code and sections 43 and 66B of Info expertise ACT 2008 was registered at Sector 29 police station on June 21.

Sangwan mentioned Kumar, a Jaipur native, moved to Gurugram in 2011 and in 2012, began working with an insurance coverage firm the place he met Durgesh Dubey, who, at the moment, was deployed within the again workplace of the insurance coverage firm. In 2014, Kumar moved to a different insurance coverage firm the place he labored until August 2019. In 2017, Dubey left the insurance coverage firm and began working with a name centre.

Nitish and Kishore had been college mates, whereas Naval was an acquaintance of Nitish, the police mentioned. “Durgesh was looking for funds for his sister’s wedding ceremony when Kumar approached him with a plan to earn cash by forging insurance coverage claims,” mentioned Sangwan.

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