jail for lady who made fake tour coverage claims of extra than s$14,000

singapore: after correctly inflating the value of her damaged baggage in an insurance declare, a lady embarked on a chain of fraudulent tour claims totalling greater than s$14,000.

siti saliha muhammad hussain, 30, used pictures of damaged items, receipts, boarding passes and police reviews that she discovered on-line, and altered some of those with paint and microsoft word programs to help her claims.

on friday (jul 29) she pleaded responsible to 6 expenses of cheating, with 14 extra expenses considered. she made a total of 20 fraudulent claims among march 2016 and september 2019, of which 17 resulted in payouts.

the corporations that fell victim to her scheme were axa coverage, aig asia pacific coverage, ntuc earnings coverage co-operative, aviva and fwd singapore.

siti saliha became sentenced to 5 months’ jail and could start serving her sentence in september, after being granted a deferment to settle her work and a loan she took out to make full restitution to the insurers.

faux declare for broken luggage
the court docket heard that in september 2016, siti saliha made a trip to kuala lumpur with her mom and two sisters. she offered travel coverage regulations from axa and aig for her own family.

all through the ride, the own family’s baggage, which changed into well worth approximately s$two hundred, become broken at the same time as being retrieved from the airport’s luggage declare.
siti saliha recalled that earlier inside the 12 months, she became capable of inflate the price of damaged bags in an insurance claim with out imparting any helping receipts.

she had additionally been capable of make a separate coverage declare for a chunk of baggage even though it became broken before the experience.

“the accused felt that this was another possibility to take advantage of the slack exams and balances in region for journey coverage claims, and intended to accomplish that without her circle of relatives’s understanding,” stated deputy public prosecutor angela ang.

she went online and observed photographs of a damaged louis vuitton baggage and receipt, in addition to a receipt for tumi baggage, which she intended to use to inflate the fee of her damaged bags.

she used these documents to post claims underneath her own and her mom’s and sisters’ insurance guidelines. axa and aig distributed a total of s$750 and s$1,000 respectively for the 4 fake claims.
having “tested the machine”, siti saliha determined to make fake travel insurance claims whenever possible with the aid of making sure that she bought guidelines for herself and her circle of relatives earlier than any journeys, said ms ang.

she would occasionally additionally purchase travel coverage policies for the sole purpose of creating a fake claim, despite there being no ride deliberate.

doctored police report, boarding pass
whilst on a journey to tokyo in april 2017, siti saliha accidentally out of place her pockets containing approximately s$5,000 and her iphone. as her policy did not cowl loss from private negligence, she made a fake police report in tokyo that her belongings had been stolen.

she used the police document in a fake declare to axa. to get around a cap on the payout she ought to acquire, she additionally claimed that her computer became stolen, which changed into not real. the insurer paid out s$2,288 to her.

later that yr, siti saliha helped certainly one of her sisters purchase tour insurance for a ride to krabi, and retrieved her sister’s used boarding skip after she returned.
siti saliha then located samples of fixing reviews and assets irregularity reports online, and amended them on her computer to make reference to her sister’s pc and baggage.

she also discovered antique receipts for a computer and luggage, and searched on-line for photos of broken gadgets. she submitted those to msig collectively along with her sister’s boarding skip, and acquired a payout of s$1,500.

sometime earlier than february 2019, siti saliha also sold her mother a coverage for an alleged experience to pekanbaru. in truth, her mother had no such ride deliberate and the policy changed into bought to make a fake declare.

she made a fake declare that her mom changed into robbed of s$six hundred in cash and her iphone, attaching a doctored sample police document and a doctored image of a boarding bypass that she located on-line. she acquired s$1,415 from axa for this.

she repeated this after her mother travelled to jakarta in march 2019 and after her own trip to kuala lumpur in april 2019, claiming that property were stolen and submitting doctored police reviews whilst this changed into untrue.

she additionally volunteered to shop for travel insurance for a friend with whom she turned into traveling to kuala lumpur in july 2019. she did so proceeding to make fake claims for a theft on their go back, and were given a payout of just about s$1,500 from aig.

the offences had been observed after a number of the insurance groups observed siti saliha’s claims suspicious and achieved internal investigations. they then filed police reviews towards her.

“truely pretty ironic”
the prosecution sought 5 to seven months’ jail, highlighting the lengths that siti saliha went to, inclusive of beginning exceptional e-mail accounts to shop for the policies without arousing suspicion.

defence recommend yamuna balakrishnan asked for a excellent on the premise that her customer got here from a terrible monetary heritage and was the only man or woman presenting for her family members, a number of whom were sick and not running.

deputy presiding district judge luke tan said it became “truly pretty ironic” that siti saliha highlighted dire monetary instances in her mitigation when her offences arose from foreign places tour.

he said there was “absolutely no foundation” no longer to impose a jail term, which changed into supported via the case law.

the punishment for cheating is jail for up three years, a first-class or each.