Chapter 96 – Insurance Fraud (2)
The National Hunter Hospital was always crowded with people.
Like the special unit, this is a facility where functions are a bit excessively concentrated, and users are even more excessively concentrated.
If a person died in the process of clearing a dungeon, of course the deceased’s comrades would be receiving treatment here as well.
Whether you’re faking it or you’ve been seriously hurt.
I decided to leave the insurance investigator alone for now and see the witnesses.
It seemed that if he was mixed in, his voice would rise for no reason.
Amid the smell of disinfectant that pierced their nostrils, Tia and Kerr walked as cautiously as possible.
The guys had no choice but to notice the Hunters.
I went straight to the desk in the lobby and asked.
“Excuse me. Where are the Taesan Guild members who were hospitalized yesterday?”
“You can go to room 302.”
The staff immediately recognized me and guided me.
The deceased Song Joong-il’s colleagues were renting a six-person room…
As soon as I entered the room, I realized something was wrong.
“Ugh…”
“Can you give me some more painkillers?”
“Give me a bandage here!”
In the hospital room, caregivers and nurses were moving in a warlike atmosphere.
It is not uncommon for bones to crack or limbs to be broken, and some personnel were wrapped in bandages all over their bodies.
I heard that it was a strategy with a fatality, so I was preparing myself… I didn’t expect it to be this much.
The team leader, who was in good shape at least, struggled to get out on crutches.
“Huh? Special Investigator? Even Alice…”
“You’re the leader of the Taesan Guild’s strategy team, right? Please give me some time.”
“Ah, I see.”
We moved seats for other patients.
The team leader looked a little taken aback, but he thought it was because the dead had already been killed.
However, he soon became enraged when he heard the news I gave him.
“Did you know that Song Joong-il, a member of the team who passed away during the raid, was holding a hunter-only life insurance policy?”
“Yes? Ah… Yes. I think that friend talked about it once. But why suddenly…”
“The insurance company suspects insurance fraud.”
“What, what?”
He shuddered loudly and clenched his fists.
More than his broken leg, his chest his was stuffy and painful.
“These bastards…”
“Calm down and talk slowly. What happened? It seems that the attack was serious.”
“Dungeon rating measurement error!”
The team leader started explaining in a rough voice as if he was angry.
“It was the absolute worst. It was a dungeon that was at least one level higher. The terrain map and the type of monsters that appeared didn’t match the results of the search, so I almost died. The tricky monsters popped out one after another and I was completely surrounded.”
“Then…”
Taesan Guild is classified as a large group, so of course it will take care of its own preparations including grade measurement…
Things seem to have gone wrong from there.
He asked me like he was arguing.
“It was a situation where the team could be wiped out. Why on earth do you suspect insurance fraud?”
“The insurance company said that the attack video was lost.”
“It’s not only the shooting equipment that was lost in this raid. Our equipment is also completely rags. Our weapons are broken, our armor is smashed, and at least we’ve used up most of our consumables, so why are we using only the shooting equipment…”
The team manager who had been angry at me belatedly regained his reason and apologized.
“Ah… I’m sorry, Detective. You don’t suspect us, do you?”
“That’s because I came to see the hospital room.”
This incident… I don’t know about anything else, but it doesn’t seem to be intentional.
Otherwise, there’s no way everyone would have been seriously injured like that.
It’s hard to believe that the deceased Song Joong-il resisted… He was a hunter with healing abilities.
Song Joong-il was incapable of hurting them, and his teammates would have been desperately protecting him if an emergency had occurred.
After hearing the details of the situation, I sent him back to the hospital room and even looked up the association’s records.
Fortunately, the dungeon occurred in Seoul, so the investigation was relatively easy.
“Blanche, how are you?”
[The list of loot recovered from the scene is consistent with earlier testimony. It is certain that a completely different type of monster has appeared than expected. However, the quantity is rather small.]
“That’s why he couldn’t take care of it properly while he was in a hurry. He even recovered the corpse of his colleague.”
[It is difficult to see it as a grudge murder or a premeditated crime. Calls, texts, and messenger app history are very clean.]
“Good work.”
After thinking about it for a while, I decided to close the case.
“It’s lack of evidence. Just tell me to pay the insurance money.”
“Eh… Is that really okay?”
Seo Ji-yu was strangely anxious next to me, but I didn’t care.
“Mr. Jiu, are you even worried about the insurance company?”
“Well, just in case.”
If this is a real insurance scam, it doesn’t matter much.
It was a mistake to create life insurance for hunters in the first place.
I thought so and reassured Seo Ji-yu.
“Don’t worry. Worrying about insurance companies is much more useless than worrying about celebrities.”
“Yes, yes?”
“Mr. Jiyu. Insurance companies never lose money.”
The insurance company that raised the issue this time is not at the level of a corner store in the neighborhood.
It is XX Life Insurance, an affiliate of a leading conglomerate in the industry.
As the name suggests, it specializes in life insurance, and operates a huge number of insurance products in addition to hunter insurance products.
“Do you know how much the market cap of XX Life Insurance is? It’s in trillions of dollars. In insurance business, basically, you can’t make a loss. There’s a reason large corporations usually do one insurance company at a time.”
“Bo, does insurance pay that much?”
“Of course.”
Insurance companies never lose money.
Just looking at this case right now, I forcibly drove what I thought was not right to insurance fraud.
They never do anything to pay out the insurance money.
Even if it is not a pure guarantee type, but a maturity refund type insurance, it is the same.
First of all, maturity refund type insurance pays higher premiums as it gives a refund.
At first glance, the annual interest rate is high, so it seems quite salty, but in reality, the increase in interest rates does not generate that much profit.
Even so, statistics show that more than 30% of insurance users cancel their insurance within two years.
This figure rises slightly, especially in life insurance.
Does that mean insurance companies are sitting still with their customers’ money?
Not even that.
They work hard by lending the premiums paid by customers to other places.
In particular, affiliates of large conglomerates tend to act as reliable cash cows within the group.
“Besides, this case is a topical enough because Hunter is involved.”
An active hunter died unfortunately during the operation. His teammates also suffered major and minor injuries.
The deceased Song Joong-il was fortunately carrying life insurance.
By the way, a large insurance company of the size of XX Life Insurance refuses to pay the insurance money while stumbling over the loss of video data?
If so, the image of the insurance company will be ruined.
It’s not like the opponent is anywhere.
The Taesan Guild, to which the dead belonged, was a large and proud guild.
If the legal team is mobilized from that side and public opinion battles are waged, the resulting damage will be even more severe.
‘It’s much better to pay 1.5 billion neatly and use it for publicity.’
An insurance company that insured even hunters who did risky things and duly compensated them!
What a beautiful story
Of course, the idiot who created such a life insurance product for hunters should be cut off as soon as possible.
I called the insurance investigator who was waiting outside, gave me a rough overview of the room, and asked.
“Did you know the status of Song Joong-il’s colleagues?”
“Oh, no. In detail…”
“That’s right, you’re not working alone, inspector-nim either. Let’s go back and talk to the boss again.”
“That… I will.”
The insurance inspector couldn’t stand it any longer and left in a hurry.
We went straight back to the office and got a call from him before we left.
[Special Investigator. We will deliver the compensation for the death of customer Song Joong-il, who passed away during the dungeon attack operation, to the bereaved family as quickly as possible.]
“Thank you for your consideration. Then we will close the matter here.”
[Yes. I am very sorry for the trouble.]
As expected, XX Life Insurance made a wise choice.
Alice seemed strangely in a good mood, and she recounted the day’s events to Yariel like some kind of saga.
Yeriel, who was only reunited during dinner after work, heard it and laughed while covering her mouth her slightly … And made a noise that we didn’t expect at all.
“Hmm? Is it really over like this?”
“… What are you talking about?”
“Ah, since you have no Hunter experience, you may not know.”
Understanding my reaction, Yeriel grabbed Alice and explained something softly.
Then Alice’s small shoulders her trembled.
She seemed to be late to notice her incongruity of her.
“Wait… Is that so?”
“That’s right. These days, dungeon safety regulations are quite strict, so dungeons above the first rank…”
“Then, the scar on the back of all things…”
I was very flustered, and only then did Yeriel look back at me.
She asked earnestly with strangely excited eyes.
“Seobang-nim. Personally, I think the current ending is a happy ending without a doubt.”
Yes.
Although the insurance company suffered minor damages, it took care of its image, the bereaved families of the deceased received compensation, and their colleagues kept their honor.
Song Joong-il, who has already died, can’t help it, but other than that, everything got the best results.
Should Yeriel ever have to pick it up, that was his concern.
“Sometimes, the truth is disappointing. It may or may not be worth more than it is now. But do you really want to know the truth?”
“… Of course.”
At the end of the long pause, I nodded my head with difficulty.
If truth has no value, then what on earth should we seek?
Not knowing the answer to that, I was willing to take the red pill.
“Let me know.”
“Okay. Let’s go out tomorrow then.”
Yeriel, who had a very happy face, said happily.
