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The latest developments across the P&C insurance industry regarding fraud, risk and compliance.
01 August 2015

The use of manipulated images in fraudulent claims

Digital claims

Nowadays many insurers are thinking about how to handle the ever growing digitalization which applies to several processes and is increasing exponentially.

Growing digitalization

Already a number of insurance companies are using their own apps to file a new claim, with all information and even with images of the actual damage attached to. This is just one example in which digital information becomes available for the insurance process.

”Not all insurers are aware of how easy it is to manipulate images. By manipulating images, fraudsters can even fake complete claims or damages. The challenge of the CIO is how to process these digital images attached to a claim. The Claims Manager’s and the Fraud Manager’s challenge is to find out whether or not these claims are genuine, says Christian van Leeuwen (CTO, FRISS | fraud, risk & compliance).

Image screening technology

So the question is: how are such images used to fake claims? Either fraudsters change one image out of four for one claim and add scratches to that in order to increase the damage. They could change meta tags to fake the location of the actual claim. Images are even being bought online and used over and over again to claim on insurance policies.

FRISS has integrated Dence image screening technology as part of the existing platform. With this technology FRISS® is able to screen all images in the claim proces automatically.

Detecting fraud

The manipulations can be detected effectively by screening each claim with all the images attached to it. The insurer will then receive an alert with feedback for an active follow-up on these alerts.

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