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The first step was taken in May 2010 in the name of dealing with insurance fraud and SBM Insurance Frauds Information System
project has been commissioned. With this project, notifications from 3. parties and insurance companies began to flow into the system
with the web application and web services. At this point, it has been provided a gain of 139 million m² TL to the sector.
The total amount subject to fraud
139.000.000
Average Amount of Fraud
16.500
Total number of people
15.354
Number of notifications from 3 parties
th
962
Total Number of Notifications
9.349
SİSBİS Start Date
MAY 2010
published by the undersecretariat of Treasury on Procedures
and Principles on Detection, Reporting, recording Improper
Insurance Practices and Combating with these Practices.
Under the SBM, it is considered the establishment of the
Centre for Combating with Improper Insurance Practices
that the analysis studies will be conducted and the database
with generated from the data located in Insurance Frauds
Information System according to regulations.
For the moment we don't have an infrastructure that will
calculate the burden of insurance fraud to the insurance
industry, but by making some inferences from the data
collected we are able to estimate that the financial burden
of the insurance fraud to insurance industry is 7.5% of the
damages paid at car insurance.
In addition, in times of economic crisis especially it is observed
that the number of car and fire fraud cases increases
especially. Stakeholders in the insurance sector have put a
variety of actions to combat insurance fraud.
Sources:
1) Coalition Against Insurance Fraud
2) Insurance Fraud Bureau
In Portugal, it is encouraged to train the worker of the
insurers and the agents against fraud and the establishment
of information sharing system about those conducting fraud
activity.
In France, insurance frauds are regulated by the Criminal
Code. Insurance regulations regarding fraud are carried out
by "French Economy, Industry and Employment Ministry".
In Italy, insurance fraud is considered to be an offense
under the Criminal Code. Italian "Insurance Supervisory
Authority" (ISVAP) encourages insurers to take the necessary
precautions against insurance fraud.
In Belgium, "Banking, Finance and Insurance Commission"
encourages insurers and insurance agents about insurance
abuses detection, control and report.
When we look at the structure of the legal and institutional
infrastructure of the fight against insurance fraud in Turkey,
insurance fraud is considered to be the criminal misconduct
in accordance with 158th Article of the Turkish Penal Code.
With departments and staff which insurance companies
constructed regarding this issue, insurance frauds are found
out and fight against with this is carried out.
A data base (Insurance Frauds Sharing System) was
established under the SBM in order not to cover the
individuals and organizations who suspected with insurance
fraud within the scope of guarantee or to be taken other
measures.
In order to dealing with insurance fraud, the Regulation was
ARTICLE 13