In the life insurance industry, death claims account for a significant portion of payouts. However, they are also prone to fraudulent practices such as fake deaths, forged certificates, staged funerals, impersonation, and exaggerated circumstances. A single fraudulent death claim can lead to substantial financial loss, regulatory scrutiny, reputational damage, and disruption of operations.

At CLAIMLAB Investigation Services Pvt. Ltd., our Death Claim Investigation service is built to verify the legitimacy of death claims through multi-point field checks, document validation, and surveillance when needed. We assess both the facts of death and the context surrounding the beneficiary’s claim—ensuring that insurance settlements are disbursed only to those rightfully eligible.

From verifying civil death records to confirming medical cause of death and interviewing witnesses, our investigations are comprehensive, discreet, and audit-ready. Our team includes former law enforcement professionals and insurance experts who understand how to distinguish genuine loss from orchestrated deception.

Health insurance fraud is one of the fastest-growing threats to the insurance sector. Fraudsters exploit gaps in the system through fake hospitalization claims, inflated billing, non-existent procedures, fabricated disabilities, and collusion with service providers. These activities not only drain resources but also undermine the trust between insurers and policyholders.

CLAIMLAB’s Health Claim Investigation Services are crafted to detect, document, and deter fraudulent or exaggerated claims through fact-based field and digital verification techniques. Our investigations cover a broad range of scenarios: from short-stay hospitalizations to long-term disability claims and accidental injury verification.

We evaluate each claim with clinical, procedural, and documentary scrutiny, ensuring that each submitted record—from bills and prescriptions to lab reports and consultation slips—is genuine, medically justified, and policy-compliant.

Our team works closely with the insurer’s Claims, Underwriting, and SIU (Special Investigative Units) to deliver evidence-backed, legally valid, and actionable reports that uphold the company’s financial and legal interests. Whether you need confirmation of a surgery, test, treatment, or incapacity, we provide ground-truth clarity.

Today’s digital world demands more than a simple glance at ID documents. A full Background Check by CLAIMLAB Investigation Services goes far deeper—examining an individual’s identity, reputation, and integrity across multiple sources. Whether you’re assessing a high-profile policyholder, nominee, field agent, or broker, our background check process helps safeguard your organization from fraud, reputational harm, and compliance risks.

We utilize advanced investigative techniques—field verification, digital validation, database cross-checks, and interviews—to build a 360-degree profile of the subject. Our investigations are globally applicable, scalable across risk levels, and customizable to reflect Indian legal and regulatory requirements.