Chapter 95 – Insurance Fraud (1)
A little earlier in the morning than usual.
I spar with Yeriel.
Perhaps because of what happened last time, the battle got a little heated.
This time, fully armed…
If it’s good, it’s practical, and if it’s bad, lethal techniques were also mobilized.
However, Yeriel took it easy and eventually overpowered me.
No matter how much I poke her eyes her, it seems to be nothing more than a joke party from her point of view her.
“You’ve gotten really rough. Is it because of the fake green dust?”
“… That’s right.”
It wasn’t that there was no chance at all, and I should have definitely suppressed it when I got it, but I was too slow.
Yeriel smiled sadly and comforted me.
“Next time, just call me.”
“No, that’s a bit…”
“Does it make you want to join the special unit at all when you see Seo-Bang-nim going through hardships?”
“If you come, everyone will confess or run away on their own?”
Yeriel is definitely a reliable ally, but…
I’m not the good type to build the precedent I want.
After a moderate morning workout, I went to work and received an unpleasant gift.
Two hunter criminals tied up with ropes were delivered to the office of the special unit.
“What are these gentlemen?”
“They’re wanted hunter gangsters. They’re criminals for robbery and blackmail.”
“Really? Who brought you here?”
“That, that… It came with something like this.”
Lee Seo-woo handed me a small card with [Green Dust] Written on it.
Only then did I understand the situation.
So, these criminals are gifts of fake green dust.
He was the one who mercilessly killed hunter criminals in the black market, but these two guys were so insignificant that they didn’t even bother killing them.
“Ji is not some kind of tiger brother…”
Alice smiled behind me as I was slightly puzzled.
“Didn’t he also decide to watch the special forces?”
“Where the hell are you looking?”
“Actually, it’s much easier to expose your identity if you’re going to fuck us. Of course, there’s no physical evidence, and the media is on our side, but…”
Yes.
Attacking me is the same as attacking Yeriel Frost, so the media is watching from afar.
Even if the fake green dust actually reveals my identity, it won’t have much effect.
Still, I couldn’t help but feel disgusted.
“I’ll add an identity theft charge if I get caught later.”
“Was that pissing you off?”
“Of course.”
As soon as I got angry, Seo Ji-yu quickly ordered a protein shake.
Tia took her share her and called out to her delight.
“Whoops. I’m the happiest dragon in the world!”
“Kyong kong!”
“…Now there are only four dragons left in the world, including you, right?”
“Ah, it’s too much!”
Tiamat’s black hair and blue hair are already dead, and the officers of the dragon army all died last time, so there are only four real ones.
One of them is a dragon that freezes like this.
It seems that the monsters are over now.
After quickly dealing with the two delivery guys in the morning, we had lunch and proceeded with the reference investigation.
I’m looking forward to what other villains will come in today… Kim Jeong-tae carefully handed over a task to me.
“Last time something like that happened, but today let’s go for something lighter.”
“Jung-tae. I don’t need such useless consideration…”
I checked the data even though I grumbled a little.
I thought it was an ordinary assault or murder, but Kim Jung-tae did not hand over such an obvious case.
I nodded my head in satisfaction with his pick his.
“Hunter suspected insurance fraud case? Rehabilitation is fine.”
“Rehab?”
“That’s because the difficulty level is low.”
Alice tilted her head as if she couldn’t understand my explanation even more.
I realized later that the explanation was a bit poor.
“If it’s an insurance fraud case, it looks complicated, but why is the level of difficulty so low?”
“Because, usually, the insurance investigators are collecting evidence on their own.”
“Aha.”
Paying out the insurance money in case of suspected insurance fraud is, of course, a loss to the insurance company, so the insurance company sends investigators to thoroughly investigate the case.
Many insurance investigators are former police officers, so they boast a considerable level of investigative ability.
Among them, there are not a few people who have a considerable level of medical knowledge.
Of course, I’m at a loss because I don’t have the authority to investigate, but usually I get rid of it as quickly as possible before the other person files a complaint.
From the standpoint of our special unit, even if we stay still, the evidence rolls in.
“If you don’t want to pay insurance money, they should take care of themselves.”
“Is that so…”
After a while As I said, the insurance investigator, who brought the materials, greeted me politely.
I sat across from him and listened to his story.
“Hello, Special Investigator.”
“Welcome. Is it something related to car insurance?”
“No. The insurance in question this time… Is this one.”
As a former police officer, an investigator who has prepared good-looking data.
However, I had no choice but to solidify my impressions when I saw insurance explanatory materials such as product catalogs.
“Hunter-only life insurance? Wait, you sold life insurance to the Hunter?”
What? Is the insurance company determined to go bankrupt?
What kind of accident insurance, not life insurance?
Life insurance, as the name suggests, is a concept in which insurance money is paid to the bereaved family when the insured person dies, so jobs close to death, such as police and firefighters, are in most cases unavailable.
However, to sell life insurance to hunters. Common sense does not make sense.
Things are a lot better these days, but…
The mortality rate of hunters is overwhelming compared to other occupations.
The insurance inspector smiled bitterly as if he knew this would happen and explained it diligently.
“Even if it’s life insurance, it’s not a pure guarantee type, it’s a refund-to-maturity type life insurance. Like an annuity, it’s a type that can be returned later.”
“You say you don’t want to pay the insurance money after tempting the hunters like that?”
The insurance inspector sweats profusely after Alice says a few words behind her.
In fact, there is no part of her words that are seriously wrong.
But I decided to listen a little more closely.
“But really, any Hunter can join, right?”
“Of course. First of all, among the field jobs, only hunters with healing abilities can join. Even that, many provisions are added.”
Also.
Really, if any hunter could buy life insurance, the insurance company would have gone bankrupt long ago.
Hunters with healing abilities are always a supportive role.
Most of them are deployed in the rear, so they are rarely exposed to direct combat, and if a combat situation does occur, they are relatively well protected.
The effectiveness of medics on the battlefield has been proven time and time again.
Most of these additional provisions are unfavorable to the insured, so if you break away from combat, you are excluded from receiving insurance money.
If you become an insurance company, you will have a lot of money and a legal team lineup, so there is no way you are going to lose money.
They must have been receiving much higher insurance premiums than the general public.
I was feeling a bit flustered and kept asking.
“Okay. You sold life insurance to an active healer hunter. What about that?”
“This time, the hunter died during the dungeon raid, but there are suspicious circumstances.”
“If she died inside the dungeon, does her body remain her?”
“Yes. The guild’s colleagues recovered the body of her. This is the autopsy result.”
If it was a healer, it would have been possible to provide first aid on the spot, but to say he died in vain.
I read the material quickly with a firm determination.
The dead were attacked several times with the monster’s weapons, claws and fangs.
The most lethal of the dogs was stabbed in the back with a dagger.
“Besieged… That’s terrible.”
Just talking about insurance fraud like this…
The reward is so huge that I think I risked it and fell.
If the insurance company pays out properly, at least 1.5 billion or more is expected to go out.
From the point of view of the insurance company, it is natural that they do not want to give…
I went through the rest of the material and refuted step by step.
“No, isn’t this much lacking? From now on, listen closely to see if what I’m saying is correct.”
“Yes, Special Investigator.”
“The deceased Song Joong-il signed up for your hunter-only life insurance about three years ago.
“That’s right.”
“So, he has paid over 2 million won in insurance premiums every month for three full years. So far, the premiums paid are nearly 70 million won.”
“… You’re right.”
The insurance investigator noticed what I wanted to say and hardened his complexion.
I slammed the materials on the desk and said.
“It doesn’t come out, it doesn’t come out. It’s an A-rank hunter who was earning well. Why do insurance scams? That’s with the life insurance you signed up for yourself! I paid the insurance money for 3 years …”
“No. I mean, couldn’t it be that the guild members committed the crime?”
It seems that the insurance investigator was suspicious of the crimes of his colleagues from the beginning.
The dead are stabbed in the back, so they are suspicious.
Besides, there was something else suspicious.
“And the dungeon’s walkthrough video was lost. They said that the storage device was damaged during the battle.”
“…That’s definitely suspicious.”
These days, whenever you attack a dungeon, you leave evidence with something like a body cam.
However, if such data are completely lost, we have no choice but to suspect intentional destruction of evidence.
In other words, the insurance investigator did not suspect his colleagues without any grounds.
“But the recipients are not guild colleagues, but the bereaved family?”
“That’s right. He could have been murdered for a simple feud, not for insurance purposes, so please investigate…”
“No. Then it makes even more sense. I killed a colleague in a dungeon. Why are you collecting the body? I just leave it behind and come out.”
“Isn’t it even more suspicious if you leave the body behind? And our insurance clause includes the recovery of the body…”
“Oh my God. You really didn’t want to pay the reward.”
I cleared my slightly confused mind.
I don’t know anything else, but it’s very suspicious that the recording of the strategy has been lost.
The most conclusive piece of evidence in this case just disappeared.
I stood up feeling that the investigator had a point.
“Where are the colleagues of the deceased Song Joong-il?”
“Most of them are in the hospital.”
“Well, that’s right. I’ll have to meet him in person.”
As always, you need to hear both sides to make the right decision.
Alice, as well as Tia and Seo Ji-yu, quickly followed me.
