India's insurers lose thousands of crores every year to exaggerated and fabricated claims, and every fraudulent payout is ultimately funded by honest policyholders. Tehkikaat is empanelled with leading general and life insurers as an external claim investigation agency.
Our investigators verify death claims where the timeline or cause raises flags, hospital records and billing in health claims, staged accidents and pre-existing damage in motor claims, and inventory or origin-of-fire questions in fire and burglary claims. We interview witnesses, reconstruct timelines, obtain certified records and conduct discreet neighbourhood enquiries.
Each investigation closes with a structured claim verification report — findings, evidence, indicators of fraud if any, and a clear recommendation — delivered within the insurer's turnaround requirements.
What this service covers
- Death and disability claim verification
- Health insurance and hospital billing fraud
- Motor accident reconstruction and staged claims
- Fire, burglary and marine loss assessment
- Witness interviews and record procurement
- Empanelment-ready reporting formats
How the case proceeds
- 01 Claim file review and red-flag analysis
- 02 Field verification and witness interviews
- 03 Record procurement from hospitals and authorities
- 04 Final verification report with recommendation