This story is from August 24, 2019

Fake insurance claim scam: Lawyer among three booked in Hisar

Hisar police have booked three persons, including a lawyer, besides a few government and private hospitals for allegedly converting deaths due to illness or natural causes into accidental deaths claim insurance money.
Fake insurance claim scam: Lawyer among three booked in Hisar
Image used for representational purpose
HISAR: Hisar police have booked three persons, including a lawyer, besides a few government and private hospitals for allegedly converting deaths due to illness or natural causes into accidental deaths claim insurance money. Police said the accused had taken worth Rs 21 crore as claims in various cases. However, no arrests have been made in the case so far.
A police spokesperson said the Hisar City police station had registered a case on the complaint of Manoj Kumar, a manager with the HDFC ERGO General Insurance Company Limited against Pawan Kumar Bhoria (Sonu), a resident of Kundli of Sonipat, Sandip Kharab, and a Hisar-based lawyer Sunil Kharab for cheating and forgery.

He said a private hospital each from Narnaund in Hisar and Jind were also named in the FIR along with some government hospitals. One of the accused, Pawan, also a lawyer, was arrested by the special task force (STF) in April for running a similar racket in Sonipat.
In the complaint given to the police, Manoj said his company provided general insurance and the accused targeted the customers of poor socio-economic condition. “The customers targeted by the accused were suffering from some terminal illnesses like cancer who were likely to die within 15 days to one year from the start of the policy date. However, deaths of such persons are not due to accidental injuries. The accused then took the insurance claim by passing off such deaths as accidental cases.”
Manoj alleged in his complaint that his company had received 25 such cases for claims worth Rs 3.43 crore. He alleged the total value of claims including that of other insurance companies was around Rs 21 crore.
“The possibility of the insured being killed cannot be ruled out. Terminally ill persons were insured for Rs 10 lakh and above for accident cover. Several policies were taken out in such cases from major insurance companies like TATA AIG, Reliance General, Apollo Munich, Religare Health, SBI General,” Manoj has alleged in his complaint to police.

The Narnaund case
As per insurance company complaint they were told that Satyanarayan, a resident of Narnaund of Hisar was going with his cousin Sahab Singh to his farm on December 10, 2017, in a bullock cart which tumbled near Kangsar road. Satyanarayana fell down and got injured and was taken to the general hospital in Hansi where he was declared dead by doctors. In the postmortem report, the doctors attributed his death to a head injury but in investigation it was found that Satyanaran was a cancer patient and his was treated with another name in a private hospital of Jind.
The Jind case
Similarly, as per insurance company complaint they were told that 49-year-old labourer Bhanaram, a resident of Jind he was walking near his house at night on December 6, 2019, when two bulls hit him. He was taken to Jind’s general hospital and doctors declared him dead. During the investigation, neighbours said that Bhanaram was suffering from cancer and asthma. When company examined the documents, Bhanaram was shown as a shopkeeper by the name of Vedprakash Sunil Kumar Trading Company while he was working as a labourer. During the investigation it was found that Bhanaram got insurance policies of 14 different companies, but his wife Bala Devi denied this.
Sting op nailed lawyer
When the company investigated the case, Hisar-based lawyer Sunil Kharb was found to be running this entire racket. As per the insurer’s complaint, field officer of the company has also collected some video recordings in which Kharb could seen saying that the record of treatment of Satyanarayana is recorded in Jeevan Jyoti Hospital in the name of Rammehar. In the video, Kharb admits that he gave money to buy insurance policies and have 30% of the money received from the insurance company to kin of the deceased and distributed the remaining 70% to those involved in the scam.
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