Insurance Fraud Investigation in Ukraine

Molfar conducts insurance fraud investigations in Ukraine across several types of claims:

• Death and life insurance claims
• Healthcare insurance claims
• Liability insurance claims
• Property damage or loss claims

Life and healthcare insurance fraud are among the most common cases requiring verification in Ukraine. Fraud involving property or civil liability insurance also occurs, although less frequently.

Life Insurance Fraud Investigation in Ukraine

Suspected life insurance fraud may involve obtaining a high-value policy and subsequently using documents issued in Ukraine to support a false death claim. Such schemes can include forged or manipulated death certificates, burial records, medical histories, treatment records, or autopsy reports.

Procedural gaps and the potential involvement of corrupt intermediaries may make it difficult for a foreign insurer to establish whether the reported death actually occurred. A local investigation is therefore required to verify the circumstances, records, institutions, and individuals connected to the claim.

To investigate suspected life insurance fraud, Molfar can:

• Collect and cross-check local intelligence concerning the reported event
• Locate and interview witnesses
• Visit relevant locations, including hospitals, ambulance services, cemeteries, civil registry offices, police departments, and reported incident scenes
• Interview doctors, coroners, police officers, and other relevant representatives
• Verify the authenticity of death certificates, autopsy reports, and medical records
• Obtain additional documents and evidence related to the claim

Healthcare Insurance Fraud Investigation in Ukraine

Healthcare insurance fraud is often opportunistic rather than planned before treatment. A claimant may cooperate with a doctor or medical institution to inflate an invoice, report a more expensive level of care, or bill for procedures that were never provided.

Differences between Ukrainian, European, and US treatment costs can make this type of fraud difficult to identify. An amount that is unusually high for the Ukrainian healthcare market may still appear reasonable to an insurer operating in another jurisdiction.

As part of a healthcare insurance fraud investigation, Molfar can:

• Identify and interview doctors or other medical personnel involved in the reported treatment
• Authenticate invoices, receipts, and supporting medical documents
• Compare the claimed charges with typical fees charged by the doctor or medical institution
• Obtain the patient’s treatment history where legally permitted
• Ask independent medical experts to assess whether the reported treatment was appropriate
• Where lawful and necessary, coordinate an independent examination by a qualified physician

Liability Insurance Fraud Investigation in Ukraine

Liability insurance fraud may involve a deliberately staged incident organised in cooperation with a claimant or another participant. In some cases, the parties rely on Ukraine’s geographical distance from the insurer and request a moderate compensation amount in the expectation that the claim will be paid without extensive verification.

The investigation must establish whether the incident occurred as described, whether the participants are connected, and whether the claimed damage corresponds to the available evidence.

To examine a suspicious liability claim, Molfar can:

• Gather local intelligence concerning the incident and its participants
• Locate and interview witnesses
• Interview the person seeking compensation
• Inspect the reported scene and visit relevant police departments or authorities
• Authenticate documents submitted in support of the claim
• Engage independent experts to evaluate the nature and extent of the reported damage

Where a suspicious insurance claim is connected to broader misconduct or a legal dispute, Molfar can also provide corporate investigations and litigation support.