|
Stowaway and
Insurance
Stowaway and insurance are two absolutely different
concepts in both commercial and social fields. What's their relationship?
Entering into 1980's, with Chinese reformation, more and more overseas
Chinese came back and people went out to visit their families, both
of who brought attractive and stimulating information and stirred
the people at home. Dwelling on the making good fortune easily abroad,
many people planed to steal into another country when they couldn't
get legal visa under such temptation. It is well known of stowaway's
tragic fate. Living of successor by chance in foreign country is
an extreme chancellor; few people can have a good end. What will
be their choices under double burden of great living pressure and
language barrier?
Work, without income assurance; welfare, without such right. Bad
living environment and difficulty in finding job made every stowaway
know foreign county was not a paradise they used to image. How can
they secure their families and themselves more assurance? Variety
and flexibility as well as the relatively high compensation award
of foreign insurance companies attracted a great deal of stowaways.
If thunderbolt happened, family members could get rich economic
compensation. Insurance is stowaway's first choice, the most suitable
choice for their conditions.
Fruitless hard work for several years, high cost and tribulation,
facing families' expectations, how could they go back with empty
bags? Unfair treatment, mental imbalance and knowledge of former
successful example, too many excuses drove them to choose a shortcut
of making rich, which was believed to be ---- "cheat insurance
premium". They didn't know there was Chinese investigation
organization specializing in investigating insurance fraud, and
had thought foreign investigation couldn't reach, so they risked
danger in desperation.
Most popular means to practice cheats they used was to insure for
body, life, illness, accident, then went back to China and cheat
to obtain notarial file with false file and false excuse, after
that they sent the documents abroad and asked for compensation.
We have handled such kind of cases. In the cases we investigated,
some of which cheats for insurance compensation weren't well prepared
for it, lie was disclosed easily. For example, a family member of
a male in Guangxi asked for compensation from a foreign insurance
company with death certificate of traffic accident. Our investigation
showed that the death certificate was not offered by hospital, it
is counterfeit. Cheat behavior is disclosed eventually. Wife of
the man in Fujian claimed that he died from accident by falling
down from high place when he was changing a bulb. Seven or eight
persons we investigated said differently from each other: died?
I met him several days before; died of cancer of liver; died of
heart attack, the most interesting thing was that his daughter who
lived him together didn't know the reason of her father's death.
Another traffic accident was much funnier. Father of a man in Hunan
claimed that the three of his family died of traffic accident on
their way to embassy to sign visa due to driver's fault. Documents
of their death were so rich, traffic accident certificate, death
certificate, funeral certificate, total in one word, everything.
We looked into one by one; fact showed that everything was fabricated.
When we contact his home, we found that they were all alive. Let
us cite another old man who was trifle commiserating. After he knew
he had deadly disease, he went back to his homeland and prepared
everything for later compensation, including applying for funeral
expecting to left more money to his children. We couldn't screen
the fraud fact though his love to his children.
With our insurance compensation investigation increasing, centralized
regionalizing of fraud and local folk's reaction shows several successful
insurance fraud examples. These examples made its follower get more
and more. Local protection and mercy to stowaway turned investigation
in this field more difficult. How to find out fact quickly and effectively
is worthy of our discussion.
Chinese government announced that government would take severe attitude
to stowaway and illegal immigration. Undoubtedly, stowaway is unstable
factor of society and the most important part of insurance fraud,
which is recognized by insurance companies. It needs media, insurance
company and investigation organization's effort together to deter
fraud of stowaway and give back insurance market a normal commercial
order.
|
