Insurance Claims Investigation involves both pre and post verification activities to ensure the authenticity, accuracy, and legitimacy of insurance claims.
Pre-Investigation is conducted before policy issuance or approval. It verifies the authenticity of customer-provided information during proposal submission, including personal details, financial background, medical history (where applicable), and insurable interest. Early verification helps insurers make informed underwriting decisions and reduce risk exposure.
Post-Investigation is initiated after insurer’s flag policies based on internal risk parameters or claim experience. It involves field verification, document checks, and interviews with the life assured, and detailed analysis of circumstances. This helps identify misrepresentation or fraud early in the policy lifecycle, enabling insurers to take corrective action, including policy cancellation if required


