보험사기 적발을 위한 보험회사의 영상촬영 허용에 관한 법적 문제

Insurance fraud is made in the form of falsifying as if insurance consumers were inflated or caused an accident that did not occur for the purpose of defrauding the insurance money. Major cases of insurance fraud in 2019 include the preparation of a false medical record for oriental medicine treatment, the claim for false parts costs and the defrauding of insurance money through false diagnosis. Since these insurance frauds are increasingly intelligent and secretive, there are many difficulties in the investigation of insurance fraud accurately by the Financial Supervisory Service or insurance companies and other investigative agencies. In particular, insurance claims related to the physical abilities of the insured tend to depend entirely on the insured, so there is no other way to detect them if the insured wants to cause insurance fraud. In order to cope with fraud that occurs continuously in the professional area such as insurance claims, the facts regarding the insured should be accurately grasped above all and objective information collection about the current state of the insured who claims insurance claims should be preceded. The most effective way to collect information about the insured is to take pictures and videos which is very likely to violate the current law. Therefore, in order to efficiently control insurance fraud, which is increasing and becoming vicious, it is necessary to establish an applicable law on image photographing.