"Hello, I want to report the crime, we have found a person suspected of cheating on the insurance here"
In 2020, the Nanjing Gulou police received a call from an insurance company, which found that although several people had purchased aircraft delay insurance, the final payment accounts of these people all pointed to the same when dealing with the payment of aircraft delay insurance.
All of a sudden, the insurance company realized something was wrong. So the staff investigated through big data and found that these policyholders who purchased aircraft delay insurance actually knew each other, and the insurance company suspected that it was a gang to defraud insurance, so they hurriedly called the police.
Through further investigation, the Nanjing police soon confirmed that this was indeed an insurance fraud case and arrested a woman surnamed Li. What is surprising is that in just 5 years, the woman surnamed Li has successively collected 3 million wool from the insurance company through insurance fraud, but after Li was arrested, she said that she did not have any illegal acts. So what's going on here?
Let's find out!
If you want to know the ins and outs of this matter, you have to start from 2015.
Li is a native of Qingdao, Shandong, working in Nanjing all the year round, because of work reasons, Li needs to often go on business trips, if the road is far, she will choose to travel by plane, originally Li did not realize that this would be a "money road", until one day in 2015, when Li was carrying a suitcase to prepare for a business trip, she went to the airport, but was told that the flight was delayed.
It turned out that because of the weather, for the sake of safety, Li's flight could not take off normally, and Li was very anxious, so she asked the airport staff when it would take off.
The staff patiently explained to Li that because the typhoon hit and brought heavy precipitation to the destination, the flight could only take off when the weather at the destination improved.
Li had no choice but to drag the suitcase and wait at the airport with other passengers, a few hours passed in a blink of an eye, but the flight still did not take off, anxiously Li found the staff to ask, but was told the news of the flight cancellation, Li was angry, she felt that the flight did not take off normally, greatly delayed her time, and the work arrangement behind, she asked the airline to give a reasonable explanation, and to compensate her.
The staff still calmly apologized and explained to Li, but for the compensation, the staff said that Li needed to purchase "flight delay insurance" in advance, otherwise there would be no compensation to take.
It was also the words of the staff that allowed Li to find a way to make money, of course, Li also began to embark on a criminal road, and finally paid a heavy price for it. So what's going on here?
It turned out that as long as Li heard that as long as there was "flight delay insurance", she could get the corresponding compensation from the insurance company, she hurriedly checked her ticket purchase record, not to mention, Li was really lucky, because the transportation expenses of business trips were reimbursed by the company, so although Li only bought economy class for herself every time according to the company's requirements, she also selected all the following additional costs with one click, including the "flight delay insurance" that can be compensated.
What makes Li even happier is that if the flight is delayed or canceled because of the weather and other reasons, he can get 10 times the compensation for the ticket, and now Li is excited, because every time she goes on a business trip, she returns to the company to be reimbursed after finishing her work, so now this ticket, as well as the corresponding insurance, are also bought by Li himself, which also means that the amount of compensation also belongs to Li.
Thinking of his "blessing in disguise", Li immediately applied for compensation for "flight delay insurance" with the help of the staff, and sure enough, a few days later, the insurance company verified and really paid 10 times the ticket money to Li, Li looked at this "windfall", she was happy at the same time, but also moved a crooked brain, Li thought, if he can calculate whether the flight will be delayed, then as long as he buys "flight delay insurance" in advance, wouldn't he be able to make a fortune by compensation?
Just do it, because Li herself needs to travel frequently because of her work, so since then, Li began to pay attention to weather changes, especially the weather changes at the destination, and then judge whether the flight will be delayed, or even canceled, so as to purchase flight delay insurance, just to get 10 times the compensation of the ticket.
In order to test whether her prediction is reliable, Li took advantage of a holiday, she carefully checked the weather forecast, and chose a flight that was not far away and the ticket price was relatively close.
Because Li bought delay insurance in advance, after she heard the news, but her heart blossomed, so Li applied to the insurance company for compensation, this time she got her wish again, seeing the bank's compensation to the account text message, Li became even more crazy, she actually quit her job, ready to rely on the "flight delay insurance" compensation to live.
Speaking of which, the insurance cost of a flight delay insurance is only a few dozen yuan, but if it is really delayed, and the flight is canceled after a delay of several hours, then the minimum can be hundreds of yuan in compensation, and the highest can be nearly 10,000 yuan in compensation.
I have to say that Li's luck is indeed good, she tried a few more times later, and each time she predicted it, and she also received a large amount of compensation.
Maybe a friend will say, even if Li's prediction is accurate, she can't guess every time, it's true, occasionally she also rushed to the airport, only to find that the flight was not delayed, but Li did not get on the plane, but directly refunded the ticket, so she has no loss.
And Li is very smart, she also knows that if she takes her own information to "gather wool", she will definitely be found after a long time, so she takes the information of relatives at home or friends to buy air tickets, and sometimes after Li checks the weather, if she thinks that the flight will be delayed or canceled, she will also buy multiple tickets at a time, because the amount of compensation will be more.
In this way, in just 5 years, Li has obtained nearly 900 times of compensation through "flight delay insurance", and the cumulative amount of compensation obtained is as high as 3 million. In this way, Li can make a profit of about 600,000 yuan a year, which is indeed much easier than her previous work to make money.
If it weren't for the insurance company discovering the problem later, then I'm afraid Li wouldn't have been discovered, and she would still continue to rely on the "flight delay insurance" to get the insurance company's wool.
After being caught, Li did not think that she was a fraud insurance, she said arrogantly: "I can get compensation by my own ability, how can it be called fraud?"
In Li's view, "flight delay insurance" is one of the insurance businesses that the insurance company withdrew, and she, as a consumer, has the right to choose to buy "flight delay insurance", and the compensation standard is also set by the insurance company, the insurance company said that as long as the flight is delayed or canceled, you can get 10 times the compensation of the ticket, these rules are clearly written, and the flights she purchased are indeed delayed due to weather and other reasons, or canceled, how can it be said that she exploited the loophole to cheat the insurance?
However, Li checked the weather information to judge whether the flight would be delayed, and then bought a ticket according to her own judgment, although her prediction was not 100% accurate, but Li did this to obtain compensation, which is also the main reason why many people think that Li is indeed suspected of insurance fraud after Li's case was exposed.
Moreover, through the investigation, the relatives and friends who lent Li his own identity information and let Li use his identity information to buy air tickets and flight delay insurance, they also profited from it, because every time Li received compensation, he would give them a certain "benefit fee".
So is Li's behavior considered insurance fraud?
According to the Insurance Law, when the insurance company sells flight delay insurance, it has already set the compensation standard, and whether the flight can be delayed is a matter that no one can 100% confirm, and whether it is the insurance company or the passenger who buys the flight delay insurance, under normal circumstances, whether it needs to pay or not, whether it can get compensation, these are also uncertain.
But Li turned such a random event into a business and into gambling, because Li was counting on it to make a profit, and she was speculative, plus Li used other people's information to make a profit, which did make her suspected of insurance fraud, in summary, Li was indeed a crime.
In fact, Li's wool picking thing is not an isolated case, and it can even be said that many people have done this long before Li, and the insurance company has been wool picked too many times, so it will revise the relevant contract content many years ago, saying that if you want to get compensation, you need to actually ride.
For example, there was a similar incident exposed by the media before, Zhou, who worked in a company in Hangzhou, was also the same as Li, because of work, he often traveled for business reasons, once he planned to go on a business trip from Hangzhou to Beijing, but the destination Beijing was raining heavily, and the weather would not stop in a short time, so Zhou bought 4 flight delay insurance in one go, just to get wool.
After Li's case was exposed by the media, many insurance companies said at that time that flight delay insurance is a type of insurance with a relatively high loss ratio, and even many insurance companies have canceled flight delay insurance because the loss ratio is too high and this business is not profitable.
On the one hand, because flight delays are indeed more common, and on the other hand, because there are always people who deliberately buy flights that may be delayed, just to gather wool.
Therefore, after Li's case, many insurance companies that still have flight delay insurance have become more and more stringent in their compensation standards, which has also caused some passengers to question that insurance companies only want to make a steady profit and not lose money, how can there be such a good thing in the world?
What's even more outrageous is that now the flight delay insurance of some insurance companies is no longer a "real money" payment, but has become a compensation voucher, for example, in October last year, when a lady surnamed Shen bought a ticket, she casually chose flight delay insurance, but she didn't expect her flight to be really delayed, but when she went to apply for compensation, she only paid her four vouchers with a total value of 260 yuan, and it could not be used superimposed.
So some people say that Li went to pick up the wool of the insurance company, which can be regarded as "doing the right thing for heaven", so friends, what do you think about this matter? Do you think Li is suspected of insurance fraud? Welcome to leave a message in the comment area, let's discuss together!