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Versicherungsbetrug in der Sachversicherung

Versicherungsbetrug in der Sachversicherung

          
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About the Book

Studienarbeit aus dem Jahr 2016 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 2,3, Gottfried Wilhelm Leibniz Universität Hannover (Institut für Versicherungsbetriebslehre), Sprache: Deutsch, Abstract: Versicherungsunternehmen stehen in der heutigen Zeit vor vielen Problemen und Herausforderungen. Digitalisierung, demographische Entwicklung und niedrige Zinsen sind nur einige von ihnen. Eins dieser Probleme gelangt nur selten in den Blickpunkt der Öffentlichkeit und wird "stiefmütterlich" behandelt, obwohl diese Thematik seit Jahrzehnten bekannt ist - der Versicherungsbetrug. Bereits im Jahr 1996 hat das BKA festgestellt, dass die Anzahl an Versicherungsbetrugsfällen in der Zukunft steigen wird, wenn das Risiko, beim Betrug entdeckt zu werden, sinkt und damit im Zusammenhang stehende Sanktionen nicht erhöht werden. Versicherern wird geraten, diesen Entwicklungen mit effizienteren Abwehr- und Präventionsmaßnahmen zu begegnen. Vor allem unter Berücksichtigung der Prämisse, dass die jährliche Schadenshöhe in Deutschland schätzungsweise bei 4 Mrd. Euro liegt und in einzelnen Versicherungsbereichen davon ausgegangen wird, dass 25 bis 40 Prozent der Schadensfälle manipuliert sind, sollte dieser Problematik mehr Aufmerksamkeit gewidmet werden. Versicherungsbetrüger rechtfertigen ihre Taten oftmals mit Floskeln wie bspw. "Das macht doch jeder" oder "Dem Versicherungsunternehmen wird das schon nicht wehtun." Eine solche Verharmlosung zeigt, dass der Versicherungsbetrug in Deutschland bereits mit einem Kavaliersdelikt gleichgesetzt wird. Versicherungsnehmer weisen dementsprechend risikofreudige Verhaltenszüge auf, wozu es zu mehr Schadenfällen kommt. Üblicherweise wird ein solches Verhalten als "Moral Hazard" bezeichnet. Die Untersuchung von Betrug hat allerdings Auswirkungen auf die Fähigkeit der Versicherer, berechtigte Leistungsansprüche aus Versicherungsverträgen zu bedienen. Darüber hinaus zeigten jüngste Studien von Versicherern, dass Versicherungsbetrug


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Product Details
  • ISBN-13: 9783668746923
  • Publisher: Grin Verlag
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 44
  • Spine Width: 3 mm
  • Width: 148 mm
  • ISBN-10: 3668746923
  • Publisher Date: 01 Jul 2018
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 72 gr


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