Fake Policies, Documents & Murder: ED Probes Rs 100-Crore Insurance Scam In UP

Last Updated:June 05, 2025, 17:50 IST

The scam has links to at least 12 states, and 17 FIRs have been registered, including four murder cases

Security officers stand guard outside Enforcement Directorate office in New Delhi. (PTI file photo)

The Enforcement Directorate (ED) has launched an investigation into a massive insurance scam in Uttar Pradesh’s Sambhal district involving fake policies, forged documents, and even murders to claim insurance money. The total fraud is estimated to be over Rs 100 crore.

Officials said the ED has sought related documents and FIR copies from the UP police as part of their probe.

Additional Superintendent of Police (South), Anukriti Sharma, told reporters the gang has been under surveillance since January. So far, 52 people have been arrested, about 50 are still absconding, and three have surrendered in court.

Further explaining on how the scam worked, Sharma revealed the gang targeted young people and sometimes killed them to claim life insurance money. They also took policies on terminally ill people, such as cancer patients, or on those already deceased. Using fake documents and tampered records, they cheated health and life insurance companies. The scam has links to at least 12 states, and 17 FIRs have been registered, including four murder cases.

In the murder cases, deaths were disguised as road accidents caused by unidentified vehicles to claim insurance payouts. These FIRs were initially closed but reopened after police found irregularities. Investigations revealed that 29 death certificates used by the gang were completely fake, while some genuine certificates had altered dates to fit insurance claims.

Sharma also confirmed that the ED’s requests for FIRs and other documents have been fulfilled by the police.

The scam’s operations are not limited to Sambhal. Cases have been found in nearby districts like Amroha, Badaun, and Moradabad. Police believe the fraud amount has already crossed Rs 100 crore and could rise as the investigation continues.

Sharma said police are reviewing detailed data from insurance companies to spot more suspicious claims. This information will be shared with companies for further action.

Early findings by the UP police point to the involvement of ASHA workers, health sector staff, and insurance company employees. The investigation on the case is currently ongoing, with more arrests expected soon.

(With inputs from PTI)

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