보험사기의 방지를 위한 제도개선방안에 대한 검토

Abstract

A number of insurance fraud detection have been increasing rapidly each year. This leads to leakage of insurance payment, as well as worsening of the insurance business, and damage of the insured by elevation of insurance premium. Even though a lot of effort for several reasonable measures have been suggested for insurance fraud regulation, in order to countermove the rapidly growing insurance fraud, the more aggressive and effective countermeasures should be needed. In this regard, the insurance fraud should be stipulated in the Korean Criminal Law and/or a kind of special law. The legal basis of the right of insurance fraud investigation of Financial Committee, Financial Supervisory Service and the member of the Special Investigative Units(SIU) in each insurance company should be needed for the effective investigation in an early stage. It would be granted for Financial Committee to request for submission a medical information to the National Health Insurance Corporation, etc, at least to confirm whether the medical information is true or not. In addition, the special organization for insurance crime prevention should be established, which is currently installed and operated with the government task force team, but it should be changed to the permanent system. The regulation of insurance fraud is necessary in order to protect innocent insured and a sound insurance business. To accomplish this, the merits of current countermeasures should be strengthened and effective new countermeasures in the mentioned above should be introduced for further improvement.