What is the process of insurance companies to check fraudulent insurance?

Before insurance, insurance companies had underwriting system. If a policy with a particularly high insurance amount is found, it will be judged whether the customer is maliciously insured through physical examination, living condition survey (occupational and life risks, psychological test) and financial situation survey. It is definitely impossible for a person with an annual income of 200,000 to buy an insurance policy with a coverage of 20 million.

After the insurance, the surveyor or other personnel of the insurance company will start an internal investigation. If problems are found, they will report to the leader and communicate with the insured, hoping that he will give up the claim. If the insured is unwilling to give up the claim or has a tough attitude, if the insurance company does have evidence, the insurance company will be tough. If the insured is still unwilling to give up the claim, the insurance company will directly contact the Public Security Bureau for investigation.