White paper on reducing insurance fraud & abuse

<!doctype html><html lang="en"><head> <meta charset="utf-8"> <meta charset="utf-8"> <title>White paper on reducing insurance fraud & abuse</title> <link rel="shortcut icon" href="https://www.pilotbird.com/hubfs/siteiconmain.png"> <meta name="description" content="Stay ahead of the curve with this insightful white paper on insurance fraud and abuse for a more resilient and trustworthy industry."> <meta name="viewport" content="width=device-width, initial-scale=1"> <meta property="og:description" content="Stay ahead of the curve with this insightful white paper on insurance fraud and abuse for a more resilient and trustworthy industry."> <meta property="og:title" content="White paper on reducing insurance fraud & abuse"> <meta name="twitter:description" content="Stay ahead of the curve with this insightful white paper on insurance fraud and abuse for a more resilient and trustworthy industry."> <meta name="twitter:title" content="White paper on reducing insurance fraud & abuse"> <style> a.cta_button{-moz-box-sizing:content-box !important;-webkit-box-sizing:content-box !important;box-sizing:content-box !important;vertical-align:middle}.hs-breadcrumb-menu{list-style-type:none;margin:0px 0px 0px 0px;padding:0px 0px 0px 0px}.hs-breadcrumb-menu-item{float:left;padding:10px 0px 10px 10px}.hs-breadcrumb-menu-divider:before{content:'›';padding-left:10px}.hs-featured-image-link{border:0}.hs-featured-image{float:right;margin:0 0 20px 20px;max-width:50%}@media (max-width: 568px){.hs-featured-image{float:none;margin:0;width:100%;max-width:100%}}.hs-screen-reader-text{clip:rect(1px, 1px, 1px, 1px);height:1px;overflow:hidden;position:absolute !important;width:1px} </style> <link rel="stylesheet" href="https://www.pilotbird.com/hs-fs/hub/9002617/hub_generated/template_assets/65320040861/1643805919890/Pilotbird_January2022/css/slick.min.css"> <link rel="stylesheet" href="https://www.pilotbird.com/hs-fs/hub/9002617/hub_generated/template_assets/64836676636/1686123306428/Pilotbird_January2022/css/main.css"> <link rel="stylesheet" href="https://fonts.googleapis.com/css?family=Merriweather:400,700|Lato:400,700&display=swap"> <link rel="stylesheet" href="https://www.pilotbird.com/hs-fs/hub/9002617/hub_generated/template_assets/64836841248/1665482014910/Pilotbird_January2022/css/theme-overrides.css"> <script type="application/ld+json"> { "mainEntityOfPage" : { "@type" : "WebPage", "@id" : "https://www.pilotbird.com/blog/white-papers/reducing-fraud-abuse" }, "author" : { "name" : "Mani Kaur", "url" : "https://www.pilotbird.com/blog/white-papers/author/mani-kaur", "@type" : "Person" }, "headline" : "White paper on reducing insurance fraud & abuse", "datePublished" : "2023-04-12T06:01:35.000Z", "dateModified" : "2024-08-27T06:37:22.901Z", "publisher" : { "name" : "Pilotbird", "logo" : { "url" : "https://cdn2.hubspot.net/hubfs/9002617/Pilotbird_Logo_Dark.svg", "@type" : "ImageObject" }, "@type" : "Organization" }, "@context" : "https://schema.org", "@type" : "BlogPosting", "image" : [ "https://9002617.fs1.hubspotusercontent-na1.net/hubfs/9002617/Reducing%20insurance%20waste%20&%20abuse%20with%20fraud%20monitoring%20solutions-17%20%282%29.svg" ] } </script>  <script> var _hsp = window._hsp = window._hsp || []; window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} var useGoogleConsentModeV2 = true; var waitForUpdateMillis = 1000; if (!window._hsGoogleConsentRunOnce) { window._hsGoogleConsentRunOnce = true; gtag('consent', 'default', { 'ad_storage': 'denied', 'analytics_storage': 'denied', 'ad_user_data': 'denied', 'ad_personalization': 'denied', 'wait_for_update': waitForUpdateMillis }); if (useGoogleConsentModeV2) { _hsp.push(['useGoogleConsentModeV2']) } else { _hsp.push(['addPrivacyConsentListener', function(consent){ var hasAnalyticsConsent = consent && (consent.allowed || (consent.categories && consent.categories.analytics)); var hasAdsConsent = consent && (consent.allowed || (consent.categories && consent.categories.advertisement)); gtag('consent', 'update', { 'ad_storage': hasAdsConsent ? 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Tune in for the latest views in using alternative data sets to improve underwriting accuracy and prequalify leads.", "image": "https://www.pilotbird.com/hs-fs/hubfs/ceo_podcast-300x139-1%20(1).png?width=300&name=ceo_podcast-300x139-1%20(1).png", "author": { "@type": "Organization", "name": "Mani Kaur" }, "publisher": { "@type": "Organization", "name": "Pilotbird", "logo": { "@type": "ImageObject", "url": "https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Dark.svg" } }, "datePublished": "2021-01-07" } </script> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.pilotbird.com/blog/insurance-technology-trends" }, "headline": "5 Growing Insurance Technology Trends You Can’t Afford to Ignore", "description": "Insurance technology trends will increase competition with new entrants joining the market as existing players grapple with the hostile environment. McKinsey & Company agrees with these sentiments, affirming that technology will alter the structure of many organizations (1) in the coming decade. Future leaders in the industry will be organizations that integrate these technologies into their core processes and adopt an innovative mindset in light of the new realities.", "image": "https://www.pilotbird.com/hs-fs/hubfs/insurance-technology-trends.jpg?width=1420&name=insurance-technology-trends.jpg", "author": { "@type": "Organization", "name": "Mani Kaur" }, "publisher": { "@type": "Organization", "name": "Pilotbird", "logo": { "@type": "ImageObject", "url": "https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Dark.svg" } }, "datePublished": "2022-01-11" } </script> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.pilotbird.com/blog/social-media-insurance-how-bmi-is-reflected-social-data" }, "headline": "Social Media and Insurance: How BMI Is Reflected in Social Data", "description": "Social media and insurance records have enormous amounts of data on individuals. However, the below factors are the most consequential for health.", "image": "https://www.pilotbird.com/hs-fs/hubfs/consumers%20providing%20information%20to%20social%20media%20and%20insurance%20companies.jpg?width=1420&name=consumers%20providing%20information%20to%20social%20media%20and%20insurance%20companies.jpg", "author": { "@type": "Organization", "name": "Mani Kaur" }, "publisher": { "@type": "Organization", "name": "Pilotbird", "logo": { "@type": "ImageObject", "url": "https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Dark.svg" } }, "datePublished": "2022-09-05" } </script> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.pilotbird.com/blog/lifestyle-insights-for-underwriting-in-fintech-and-insurtech" }, "headline": "Lifestyle Insights for Underwriting in FinTech and InsurTech", "description": "The insurance industry is quickly following suit with multiple applications designed to improve the accuracy of underwriting. InsurTech disrupts the insurance landscape by improving customer experience, triaging customer to a product, and assessing underwriting risk. Let’s look at how these applications utilize lifestyle insights and social data points during the underwriting process.", "image": "https://www.pilotbird.com/hubfs/lifestyle_insight_v2-1.svg", "author": { "@type": "Organization", "name": "Mani Kaur" }, "publisher": { "@type": "Organization", "name": "Pilotbird", "logo": { "@type": "ImageObject", "url": "https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Dark.svg" } }, "datePublished": "2020-12-11", "dateModified": "2022-10-10" } </script>  <script type="text/javascript"> (function(c,l,a,r,i,t,y){ c[a]=c[a]||function(){(c[a].q=c[a].q||[]).push(arguments)}; t=l.createElement(r);t.async=1;t.src="https://www.clarity.ms/tag/"+i; y=l.getElementsByTagName(r)[0];y.parentNode.insertBefore(t,y); })(window, document, "clarity", "script", "jbuflb0if6"); </script> <script type="text/javascript"> _linkedin_partner_id = "2764348"; window._linkedin_data_partner_ids = window._linkedin_data_partner_ids || []; window._linkedin_data_partner_ids.push(_linkedin_partner_id); 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justify-content:space-between; align-items:center;"> <div style="width:50%"> <div class="category" style="color: #6452bf; font-weight: 700; font-size: 16px;"> White paper </div> <div class="date"> 29 Sep 2022, 3 Min Read </div> </div> <div style="width: 50%"> <div class="social" style="display:flex; justify-content:right; align-items:center;"> <div class="sshare share-button" style="" href="javascript:;" target="popup" onclick="window.open('https://twitter.com/intent/tweet?url=https://www.pilotbird.com/blog/how-to-select-fraud-monitoring-solutions-latest-in-lifestyle-analytics&text=How to Select Fraud Monitoring Solutions: Latest in Lifestyle Analytics','Twitter Share','width=600,height=600')" title="facebook"> <svg width="20" height="16" viewbox="0 0 20 16" fill="" xmlns="http://www.w3.org/2000/svg"> <path d="M19.6169 0.00896646C18.763 0.611275 17.8176 1.07195 16.8171 1.37324C16.28 0.755757 15.5663 0.318104 14.7725 0.119469C13.9786 -0.0791667 13.1429 -0.0292013 12.3784 0.262607C11.6138 0.554416 10.9573 1.07399 10.4977 1.75105C10.0381 2.42812 9.7975 3.23001 9.80847 4.04827V4.93995C8.24146 4.98058 6.68873 4.63305 5.28855 3.92829C3.88838 3.22354 2.68424 2.18345 1.78336 0.900645C1.78336 0.900645 -1.78336 8.92575 6.24175 12.4925C4.40536 13.739 2.21775 14.364 0 14.2758C8.02511 18.7342 17.8336 14.2758 17.8336 4.02152C17.8328 3.77315 17.8089 3.52539 17.7622 3.28143C18.6723 2.38395 19.3145 1.25082 19.6169 0.00896646Z"> </path> </svg> </div> <div href="javascript:;" style="border-right: 0px;" title="Share on LinkedIn" target="popup" onclick="window.open('http://www.linkedin.com/shareArticle?mini=true&url=https://www.pilotbird.com/blog/how-to-select-fraud-monitoring-solutions-latest-in-lifestyle-analytics','LinkedIn Share','width=600,height=600')" class="sshare share-button"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24"> <path d="M4.98 3.5c0 1.381-1.11 2.5-2.48 2.5s-2.48-1.119-2.48-2.5c0-1.38 1.11-2.5 2.48-2.5s2.48 1.12 2.48 2.5zm.02 4.5h-5v16h5v-16zm7.982 0h-4.968v16h4.969v-8.399c0-4.67 6.029-5.052 6.029 0v8.399h4.988v-10.131c0-7.88-8.922-7.593-11.018-3.714v-2.155z"> </path> </svg> </div> </div> </div> </div> </div> <div class="row-fluid" style=""> <div class="dnd-column"> <div id="hs_cos_wrapper_module_1673252723968356" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-rich_text" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><span id="hs_cos_wrapper_module_1673252723968356_" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" style="" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text"><p>In June 2022, nearly two dozen people were charged with defrauding various life insurance carriers – to the tune of more than $25 million. Those involved conspired to apply for numerous bogus life insurance policies, then collect on them by intentionally deceiving carriers with the assumed identities of deceased individuals.</p> <p>Fraud is more common for some types of insurance than others. The four categories that bear the most of this burden, according to Insurance Business America, are workers' compensation, health insurance, car insurance, and property insurance.</p> <p>Someone has to pay for it. That aphorism and economic maxim holds true in the area of insurance fraud – because paying ineligible claims is expensive. Claims fraud and other forms of applicant/policyholder deception are an expensive problem for carriers, as well as employers and policyholders:</p> <ul id="ul-list"> <li> <p>The cost of fraud in non-health insurance is estimated $308.6 billion annually, inclusive of these products:</p> </li> <ul id="ul-list"> <li aria-level="1"><span>Life Insurance at $74.7 billion.</span></li> <li aria-level="1">Property and Casualty at $45 billion.</li> <li aria-level="1">Workers Compensation $34 billion.</li> <li aria-level="1">Auto Theft at $7.4 billion. </li> </ul> <li> <p>Families in the United States pay an additional $400 to $700 per year for their insurance policies because of fraud, per the Insurance Information Institute (III).</p> </li> </ul></span></div> </div> </div> </main> <style> label#label-firstname-d0bb6f6d-0c81-4cd1-b60e-914d03a0fc5f span { font-family: Inter, sans-serif !important; font-weight: 600 !important; } .hs-form-required { color: black ; } .sshare { align-items: center; 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White paper on reducing insurance fraud & abuse