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Other Types of Fraud
Insurance-related Fraud
3.18 In 2009, 41 Insurance-related Fraud cases were reported to the
Police, compared with 38 cases in 2008. The amounts involved also increased
significantly from $9.80 million in 2008 to $201.67 million in 2009. The
significant increase was attributable to a case of false accounting to falsely
purport to be financially sound, which involved $189.00 million and the arrest of
5 suspects. The case is still under investigation. Relevant figures are as
follows –
Number
of Cases
Reported
96
2008 2009
Amount Number
Involved of Cases
($ million) Reported
Amount
Involved
($ million)
Category
Unauthorised insurance
0 0 0 0
business
Fraud by insurance staff
– Misappropriation of clients’ 18 1.56 13 10.17
premium
– Fraudulent manipulation of 17 0.91 20 1.93
policies
Fraudulent claims 1 7.33 4 0.54
Others 2 0 4 189.03
Total 38 9.80 41 201.67
3.19 In order to effectively combat Insurance-related Fraud, the CCB has
maintained close liaison with the Office of the Commissioner of Insurance and
the insurance industry and has organised publicity campaigns on a regular basis
to educate the public and the industry on the prevention of Insurance-related
Fraud.
Internet Banking Theft
3.20 The Police continue to collaborate closely with the Hong Kong
Monetary Authority (HKMA), the Hong Kong Association of Banks and the
banking industry to enhance the safety of e-banking in Hong Kong through
sharing of information on best practices and enhanced public education.
3.21 By and large, e-banking in Hong Kong is very safe, especially after
the HKMA introduced the “Two-factor Authentication” in May 2005. In 2009,
there were 6 incidents involving e-banking. 5 of the incidents involved e-
banking theft whereby 118 accounts had been accessed without authority.