The insurance industry plays a vital role in providing financial protection for society. However, it cannot be denied that numerous fraud cases still occur. Such fraud not only harms companies but also damages customer trust in the insurance industry as a whole.

Below are some common types of insurance fraud, along with preventive measures that can be implemented:

1. Issuing Fake Policies Without Customer Consent
   The perpetrator creates a policy under the customer’s name without their request, or issues a new policy without consent, under the pretext of a product upgrade/downgrade. The main goal is to meet sales targets or earn commissions.
   Example: Using old data or issuing a new policy without the customer’s signature.
   
   
2. Embezzlement and Misappropriation of Premiums
   The perpetrator accepts premium payments, either in cash or via transfer, but fails to deposit them to the company. This results in inactive policies and rejected claims. In some cases, the perpetrator also requests transfers to personal accounts.
   Example: Customers are asked to transfer funds to the perpetrator’s personal account.
   
   
3. Forgery and Data Manipulation
   The perpetrator alters, conceals, or falsifies customer data such as medical history, ID cards, or employment documents to pass underwriting or file a fraudulent claim.
   Example: Omitting chronic illness information or forging an identity for claim submission.
   
   
4. Misuse and Unauthorized Fund Withdrawal
   The perpetrator uses access to a customer’s account to withdraw funds or claims without the customer's knowledge, even changing the payout account to their personal one.
   Example: Forging the customer’s signature and changing the payout bank account.
   
   
5. Product Mis-selling
   The perpetrator sells insurance products without clearly explaining the benefits, costs, and risks. This often happens with investment-linked products like unit-linked insurance.
   Example: Selling unit-linked insurance as a savings product with guaranteed returns.
   
   
6. Impersonation of Agents or Official Companies
   The perpetrator pretends to be a legitimate agent or broker via phone, email, or social media, and offers fake products.
   Example: Insurance offers through WhatsApp from an account that mimics an official company profile.
   
   
7. Fraud via False Information
   The perpetrator sends fake messages, such as prize notifications or package deliveries, pretending to be from an insurance company to steal personal data or money.
   Example: A message claiming “You’ve won a prize from insurance company X” and requesting personal details or payment.

Given the numerous methods perpetrators may use to commit fraudulent acts that harm policyholders, it is essential to implement concrete measures to minimize the risk of insurance fraud. These efforts aim to prevent broader losses for both insurance companies and customers. Prevention must not solely rely on internal control systems within insurance companies but also on continuous education and collaboration, both with marketing agents and policyholders.

Below are several effective strategies that can be implemented to minimize the risk of fraud in the name of BNI Life Insurance:

1. Always Verify the Legitimacy of Marketing Agents
   Our marketing agents always carry an official BNI Life ID card and hold a valid license from the Indonesian Life Insurance Association (AAJI).
   
   
2. Marketing Agents are Stationed at BNI Branch Offices
   You can meet our marketing agents at the nearest BNI branch offices.
   
   
3. Ensure the BNI Life Agent is Still Active
   To verify the active status of a BNI Life marketing agent, visit BNI Life's official website at www.bni-life.co.id → CONTACT → Marketing Agents.
   
   
4. Understand the Product You Choose
   BNI Life provides ELECTRONIC BROCHURES online, accessible at bnilife-products.id. For further consultation and to better understand our products, contact BNI Life’s customer service at 1-500-045.
   
   
5. Do Not Sign Blank Forms
   Never sign any documents or forms that are left blank.
   
   
6. Official SPAJ Form with BNI Life Logo
   The official Life Insurance Application Form (SPAJ) must include the BNI Life logo.
   
   
7. Fill Out Data Accurately
   Make sure you personally complete the SPAJ form accurately and thoroughly, including your full name, personal data (according to your ID card), and a valid phone number. Do not be tempted to provide false information, especially regarding your health condition, to ease the approval process. Dishonesty may result in your claim being denied due to lack of utmost good faith.
   
   
8. Review and Submit the Form
   Check that all the data you filled out is correct and complete before handing it to the marketing agent.
   
   
9. Double-Check Online SPAJ Data
   If you receive the SPAJ online, carefully review all the filled-in data before giving your consent. You may also request a copy of the SPAJ to review again later.
   
   
10. NO Cash Payments or Transfers to Personal Accounts
    Never pay your premium in cash or entrust it to the marketing agent. Premium payments must be made only through the official virtual account in the name of PT BNI Life Insurance, and ensure the payment amount matches the one stated in the SPAJ.
    
    
11. Receive Your Policy Within 14 Working Days
    Once your application is approved, your policy will be sent within 14 working days. Make sure to read and review the entire content of the policy to ensure it matches what was agreed upon in the SPAJ. For certain products and values, you will also receive a notification, an OTP code, and a welcoming call from BNI Life as part of the verification and confirmation process. Keep your policy in a safe place, as it is an important legal document required for surrender or claim processes.

Fraudulent schemes carried out by bad actors can severely impact public trust in the insurance industry. Therefore, strict supervision, customer education, and transparent internal controls are critical to prevent and combat fraud. A strong collaboration between the company, regulators, and the community is key to building a healthy and trustworthy insurance ecosystem.