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Insurance Fraud Awareness

Insurance Fraud Awareness

Spot, Stop & Secure!

Insurance fraudsters and scammers are always looking for new ways to extort money from unsuspecting customers. Many policyholders mistake them for genuine representatives and hence should secure themselves against insurance frauds during a time when such instances of fraud are on the rise.

Image of Secure Your Insurance From Scam

What are Insurance Frauds?


Insurance fraudsters carry out well-planned scams and frauds to cheat or mislead innocent and unsuspecting customers or prospects. These frauds are mainly carried out for monetary gains or for the purpose of stealing important personal data. In many cases, they may simply ask for direct payments through mobile payment applications in return for an insurance product. A lot of first-time policy buyers who are unaware of the right policy buying processes may fall prey to the scammer’s polite and well-scripted conversation and make the payment, only to realise that there is no genuine insurance cover being offered.

For example, the scammer may call a potential policy buyer under the pretext of selling an insurance product. However, instead of offering a genuine product, they will extract the customer’s financial details such as the debit/credit card PIN, bank account number, PAN card details etc.

Why You Need to Stay Protected Against Insurance Frauds?

Mobile Image of Protected Against Insurance Frauds

Why You Need to Stay Protected Against Insurance Frauds?

The most important reason you should keep yourself and your family safe from insurance fraud is so that you do not have to spend your hard-earned money on a false insurance product that does not offer any benefits. Scammers will sell you a fraudulent policy against a lump sum payment and when you file a claim, there is no record of either the insurance policy or the provider. 

You may also receive seemingly genuine calls saying that you are eligible for additional policy benefit or a discount on your policy premiums in exchange for some fees. To make it appear more legitimate, it is likely that they will exhibit a good background knowledge of the insurance industry and insurance products. However, once you pay the fees they ask for, there will be no way to get back the money or even track the source of these calls.

In a more dangerous scenario, your personal & financial details, in the hands of the wrong people can risk your and your family’s safety!

Example of Insurance Fraud

To understand how an incident of insurance fraud can occur, let’s take a look at the below example

Tick Mark IconHowever, when he refuses the offer and reports the case to his insurance company’s customer service. he not only will be free from the fraud, but he can also help his insurer prevent future instances of fraud.

How Fraudsters May Try to Get in Touch with You

An effective trick that fraudsters use is the game of numbers. They attempt to contact hundreds of numbers through different communication channels and manage to dupe at least a handful of customers, if not all.

To help you understand these tactics better and stay safe, here are how fraudsters may try to get in touch with you:

  • Image of Fake Websites For Insurance Frauds
    Fake websites

    It is not uncommon for scammers to create fake websites infected with viruses that can steal your personal and financial data. These websites help create an illusion that you, as the policyholder or a customer, are in good hands because the unknown caller has a website to support their story.

  • Image of Social Media Platforms Use By Frauds for Insurance Scam
    Social Media Platforms

    With the increasing use of social media, fraudsters have also taken to these channels to reach out to many people quickly. Therefore, it won’t be surprising to get unknown messages on different social media platforms asking you to buy an insurance policy.

  • Image of UPI Handles Use By Frauds for Insurance Scam
    UPI Handles

    Creating a new UPI handle on mobile payment applications is no rocket science, and fraudsters know this well. Once they procure many phone numbers, they send out money requests on these mobile apps, encouraging people to pay for a non-existent product.

  • Image of Fraud Insurance - Message and Call Icon
    Fake Calls or SMS to customers

    A common way that fraudsters use to reach out to several people is through calls or text messages. For example, you may have often received ambiguous messages from so-called “insurance agents,” trying to sell a policy and asking for your PAN card or credit/debit card number and pin. These people also attempt a scripted conversation on phone calls to convince customers into giving them personal and financial details.

  • Image of Fraud Insurance - Message Icon
    Fake Emails/Phishing Emails

    You may have received emails from suspicious email IDs that do not contain the insurance provider’s or bank’s name; however, the emailer claims they are a company representative and mail you a clickable link to browse through the products. Unfortunately, these links are infected with a virus or lead to an unguarded website that exposes or steals your personal and financial data.

Best Practices

Do's Dont's

  • Read the product brochure thoroughly
    Before you purchase an insurance plan, always be sure to read the product brochure and find out as much as you can about its features and benefits so that you are well versed with your policy. You can easily download a copy of the policy brochure from our website and take your time to read it carefully and thoroughly.
  • Verify the details in policy documents
    Check the policy document you receive and verify that all features, benefits, and terms and conditions mentioned in the document are the same as the ones explained to you when you purchased the policy.
  • Check the copy of the application form
    While filling the policy application form, always doubly check the form before you or the representative submits it. , if the form has been submitted with an error, you can contact us and replace it with the correct information.
  • Keep your policy documents in a secure place
    You must keep your policy documents safe and inform your family members in case of an emergency., you can now access the policy e-copy on our website, email, or download the document.
  • Report any unauthorised transaction communication
    If you receive an email or SMS regarding an unauthorised policy-related transaction in your name, we would advise you to immediately get in touch with us via our website or helpline and report the incident so that we can help you out.
  • Update insurance company if you change mobile number/email address
    Whenever you change your email address or get a new mobile number, it is important to keep up informed. This will not help us keep you informed about any updates in our policies but also enable you to track all your transactions and spot any suspicious ones.
  • Always mention your policy number during the premium payment
    To make your premium payment safely through the offline mode, always mention your policy number on the cheque. If you are making an online payment through our website, you will have to mention your policy number to start the process.

  • Never submit original documents to unknown people
    Important documents like your PAN card, passport, etc., contain your important personal details that could easily be misused. When you make a legitimate transaction, you will always be asked for a copy of these documents. Therefore, never submit the original documents to anyone.
  • Do not use unauthorised and unsecured payment modes
    If you want to make safe premium payments, we advise you to opt for paying it through our official website and choosing any of the secure options available. Avoid paying your premiums through unknown and unprotected websites, payment portals or to bank accounts / Payment Wallets of persons claiming to be Tata AIA Agent or Employee, to prevent fraud. You can visit your nearest Tata AIA branch to pay your renewal premium. You can also use the Electronic Clearance System (ECS) to transfer your money.

  • Never issue a blank cheque
    Any cheque you issue must contain all the details and your signature so that it cannot be misused to extract payment from your bank account. Never issue a blank cheque with your signature, as it can be an easy scam for fraudsters.
  • Never reveal DOB or personal details
    Personal details such as your date of birth and any such private information should never be given away to anyone asking for them, whatsoever. If needed, verify and confirm why they need this information from you. In genuine cases, the agent will always have all the information and will not ask you for any such details.
  • Never share your website user ID, password, etc
    The user ID and the password of any account you own should always be private and not be shared with others. This is especially true for your financial accounts as well. If you get fake calls asking for these details, do not share them with anyone!
  • Do not respond to callers or mailers that seem suspicious
    A lot of online viruses or malware can be transmitted through suspicious emails. Additionally, such emails may also attempt to persuade you to visit other unsafe websites and make unauthorised payments. Hence, always be wary about opening or responding to such emails.

What Will Fraudsters Say to Mislead You?

When you receive a fraud call or communication, you must identify that the call is not genuine. Here are some ways in which the caller may try to mislead you

Your agent has left the organization

At the beginning of the conversation, if the caller correctly identifies your bank name or insurance company, try to get further verification. Ask to speak to an employee who you know works at the company. If the call is a fake one, the caller may give an excuse like, “your agent has left the firm/doesn’t work here now.”

Your old policy is at a loss, and you can take a new policy

A fraudster may use this line over a call, and for a moment, it may cause you to worry about your policy. However, remember to ask for more precise details to identify a fake call from a genuine one. It is advisable to know more about the type of policy cover you have and how it works so that no one can dupe you.

Pending Dividend payout/ Bonus Payout/ Pending Amount on Policy/Past Policy benefits

In case you are not updated with your policy details, a fraudster may try to convince you about pending policy benefits that you have not availed of recently. Since not many people are aware that certain policies also have bonus additions, subject to the company’s declaration, the scammer will try to use this against you and have you to divulge sensitive policy information.

Hoax Call asking for Policy details by Insurance officials/Tata AIA official

Fraud callers tend to pose as insurance company representatives and so, you may get calls from unknown numbers saying that they are a Tata AIA official and will ask for your policy number, the type of plan you have selected, the premium amount you are paying and so on. While giving out these details may look harmless, it can be misused in a number of ways in the wrong hands.

KYC Documents Inquiry

Always be very careful about giving out your Know-Your Customer (KYC) details such as your PAN number and Aadhar number. Fraud callers can cause a lot of harm and hack any of your records with the help of these details. While these details, when used by the authorized officials, are meant for authentication, fraudsters use these details to steal your money or destroy your data.

I am calling from the insurance department 

If the caller states that they are from the insurance department, ask for specific details such as their name, official email ID, and designation. But do not divulge any information to them regarding yourself or your policy. Contact us first and verify their details to understand if this could be a fake call.

You can take a new policy, and your commission will be transferred

If you have purchased your policy offline through an agent, you are not entitled to their commission in any way. Therefore, anyone calling you, for this reason, is a fraud and should be immediately reported. We also recommend buying your insurance policy online through our website to avoid any ambiguities.

I am calling from IRDAI, and there are pending bonuses 

The Insurance Regulatory and Development Authority of India is a regulatory body and interacts with insurance companies. If you get such a call promising you a policy bonus in return for some money, it can only be identified as a fraud and should be reported immediately.

The company is at a loss, and you can switch the policy to a new company 

If your insurance company is undergoing a loss, you, as a policyholder, will know it. Hence, if someone calls you and makes such false claims, do not be scared or misled by them.

You are asked to reveal personal and policy-related information 

Revealing any personal, policy-related and financial information to an unknown caller is inadvisable for the sake of your safety. Any communication that asks for such details can only be identified as fraud since we will never ask you for your details.

Tips to Avoid Falling Victim to Insurance Frauds

With fraudsters finding new ways to scam policyholders and customers, it is equally important for you to be wise and stay a step ahead of them. Hence, here are some simple ways that can keep you from becoming a victim of insurance fraud:

  • Picture of Asking the Insurance Agent for ID Proof to secure for Insurance Frauds
    Ask the insurance agent for ID proof

    Insurance agents are supposed to be well-trained and must have an ID with them all the time, as per the IRDAI’s rules. So if you want to stay safe from insurance fraud, remember to ask for the identification and verify it with our customer service team before proceeding with the conversation.

  • Picture of Never Pay In Cash to Unknown Person to Secure By Insurance Frauds
    Never pay in cash

    A genuine and authorised insurance agent will never ask for cash payments or your financial details. Moreover, if you need to verify the authenticity of an offline transaction via cheque payment, you can always confirm the same with our customer support. Therefore, it is advisable to use our secure online payment modes for purchasing or renewing your life insurance policy.

  • Picture of Don't Share the OTP, DOB, or Password to Insurance Frauds Person
    Do not disclose sensitive details such as OTP, date of birth or passwords

    Other than you, your family and us, no one else should have access to your policy details, least of all, an unknown person. If someone calls as an insurance agent, do not give away any details such as your date of birth or any of your passwords. Similarly, if you are asked for an OTP (One-Time Password), please do not share it with anyone as it authenticates and completes a financial transaction.

  • Picture of Do Not Sharing the Documents To Insurance Frauds Person
    Ensure that you write policy documents yourself

    While applying for the policy, ensure that you fill in all the details yourself. Read about all the plan’s offerings, features, and benefits, along with the exclusions, terms and conditions and only then sign the document. This will help prevent any fraudulent activities by another party in your name.

  • Picture of Do Not Sharing The Id Proofs To Insurance Scams Person
    Give ID proofs to trusted personnel only

    If you are a victim of fraud and happen to share any personal information or ID proof with the scammer, your documents will be misused. Therefore, share your ID proof only with trusted insurance representatives whose IDs have been verified.

  • Picture of Avoiding Unwanted Links To Ignore the Insurance Scams
    Be careful while making transactions from internet kiosks or public networks

    When making financial transactions from cyber cafes or a shared WiFi network, your details are exposed to these systems. If a fraudster hacks into these networks, they can steal your data and misuse it. Therefore, do not save any passwords on public computers and don’t forget to log out of your accounts.


Immediate Steps to Take to Fight Insurance Fraud

No matter how careful or alert you are, there may be times when you are affected by an incident of insurance fraud. Or you may want to take steps to ensure that an incident of fraud does not affect you or your family in any way. Hence, given below are some ways in which you can help fight fraud 

You can get in touch with Tata AIA Life Insurance through the following channels:

  • Call Icon
    Call us on 1-860-266-9966 between Monday-Saturday from 10 am - 7 pm IST. Call charges apply.

    For outside India | Call us on 022-6251 9966 | Call charges apply.

  • Message Icon
    Send us an email at our official email address from your registered email ID.
  • Location Icon
    Visit our nearest Tata AIA Life Insurance branch. Click here to locate the nearest branch around you.
  • Compare Icon
    Help us with the following details for quicker action against fraudsters

    Details of the fraudster If there is a particular email ID or phone number you received the communication from, please share it with us.

    Any documents given to you by the fraudster – If you have received any documents from the individual, keep them and send us a copy of the same.

    Transaction details – If the fraud caller shares a UPI handle, bank account number or phone number on which you have been instructed to transfer money, let us know about it.

FAQs on Insurance Frauds 

What is Insurance policy fraud? 

Insurance policy fraud is when the policy buyer or the seller of the insurance policy commits an illegal act. These illicit activities may include the seller misleading the buyer into buying a fake product, selling a dubious policy from a non-existent firm, asking buyers to pay extra premiums, etc. As for fraudulent acts from the buyer’s end, faking a medical condition for policy concessions, providing false information, faking death for the sum assured, and other policy benefits are some of the most common ones.

What does a life insurance scammer look for in a victim? 

Life insurance scammers generally look for –

  • New policy buyers who are not well-informed about life insurance products, their sales, and the right way to choose and purchase a policy, and so on.
  • Existing policyholders who have a life insurance policy but do not have in-depth knowledge about their policy.

In both cases, scammers are encouraged by the lack of customer’s awareness. For instance, a fraud caller might contact an individual and ask them a few casual questions to understand how much they know about life insurance. Once they know that the customer is vulnerable, they will pitch a faulty/false product to procure some easy money.

What are the types of life insurance frauds? 

Here are the different types of insurance frauds you should know about –

  • Phony Websites: Fake and phony websites are known to be a common way for fraudsters to operate and lure potential victims. These days, it is simple to create a fake website and advertise a few false products with attractive copies. But you should look out for incorrect and unsecured website links or a sign-up that needs your credit card or bank account details.
  • Email Fraud: Life insurance scammers also use emails to reach out to a number of people quickly. False email IDs are simple to create and are hardly traceable once deleted. Therefore, do not fall for emails that mention that there is a problem with your policy, or it is going to lapse. Instead, stay up to date with your genuine policy details at all times.
  • Nominee Payment Fraud: There is always a chance that you may get a call, message, or email stating that you are the nominee or beneficiary of a late policyholder who has named you in their policy. The communication could also include a link asking you to provide some processing fee for filing a claim. However, this is a case of nominee payment fraud since insurance companies do not need processing fees for filing a claim.
  • Fake Premium Prices: When you buy a policy, the premium rates will be calculated on specific parameters. But many scammers reach out with false and unbelievably low premium rates to have you buy their product. This is a clear sign that the policy is a fake one, and you shouldn’t fall for it.
  • Personal Data Fraud: If you need to find instant policy quotes, then only rely on the insurance calculator of your insurance provider’s official website. Any other claims of instant quotes from unknown callers or emails will ask you for personal information in exchange for the lowest and instant premium quotes on a new policy. But this is only a way for fraudsters to steal your personal information and data.

When do insurance frauds occur the most? 

Most life insurance claim frauds occur when it comes to filing a death claim. There is little scope to verify the cause of the policyholder’s death if the nominee or beneficiary is able to present false documents with a fraudulent claim to gain the entire death benefit. Since the benefit paid out for a critical illness claim or a disability claim is not as huge as the death claim, one may try to falsely file a death claim.

What do insurance fraud investigators do? 

Professional insurance fraud investigators tackle suspicious and illegal acts related to insurance policies. They run background checks and carry detailed research on dubious information provided by policy buyers and also investigate dodgy claims which are filed in haste or seem to contain incorrect information. These investigators then report suspected fraudulent acts to insurance companies, thereby helping them deny or refuse the claim settlement amount to such policyholders.

What can you do after you have been a victim of insurance fraud?

If you have been a victim of insurance fraud or know someone who has been affected, kindly report the incident by connecting with us on the Tata AIA Life Insurance grievance redressal page.

Alternately, you can also connect with the IRDAI’s Grievance Redressal Cell of the Consumer Affairs Department – Call the toll-free number 155255 (or) 1800 4254 732 or send an email to

It is always advisable to ask some basic questions to understand if the caller is a genuine insurance agent. For instance, always ask if they are licensed to sell insurance or if they are registered insurance providers. You can also call the insurance company the caller claims to be from and confirm the authenticity of the caller.

A genuine insurance company representative will never ask for sensitive details such as your insurance policy details or your personal details. Lastly, always stay up to date with your policy information, be it the premium payments, the renewal date or any other changes, so that you are not caught unawares.

How to avoid insurance fraud?

The very first thing you, as a customer or a policyholder, can do to avoid insurance fraud is to be alert and avoid falling for fake insurance offers from fraud callers and scammers. Always verify the identity of the caller before answering any of their questions.

Next, avoid revealing any important or sensitive policy-related or payment-related information to them. A genuine insurance company or representative will never ask you for an upfront payment or attempt to sell a policy over a phone call or email.

Is there an insurance fraud hotline?

Yes. If you suspect an incident of insurance fraud or have been affected by a similar case, we would urge you to get in touch with us on the Tata AIA Life Insurance website’s grievance redressal page.

How do I report an insurance fraud claim?

You can connect with us directly on our website and report an insurance fraud claim if you suspect any such incident.


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