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Jail for woman who made fake travel insurance claims of more than S$14,000

SINGAPORE: Soon after successfully inflating the cost of her broken luggage in an insurance plan assert, a female embarked on a series of fraudulent travel claims totalling much more than S$14,000.

Siti Saliha Muhammad Hussain, 30, utilised shots of weakened items, receipts, boarding passes and police reports that she uncovered on-line, and altered some of these with Paint and Microsoft Phrase programs to assistance her statements.

On Friday (Jul 29) she pleaded guilty to 6 costs of dishonest, with 14 far more costs taken into thing to consider. She made a overall of 20 fraudulent claims in between March 2016 and September 2019, of which 17 resulted in payouts.

The businesses that fell victim to her plan were AXA Insurance policy, AIG Asia Pacific Coverage, NTUC Earnings Insurance plan Co-operative, Aviva and FWD Singapore.

Siti Saliha was sentenced to 5 months’ jail and will start off serving her sentence in September, immediately after currently being granted a deferment to settle her do the job and a financial loan she took out to make full restitution to the insurers.

Fake Declare FOR Harmed Baggage

The courtroom read that in September 2016, Siti Saliha built a trip to Kuala Lumpur with her mother and two sisters. She purchased vacation coverage insurance policies from AXA and AIG for her relatives.

During the vacation, the family’s baggage, which was worth about S$200, was harmed whilst getting retrieved from the airport’s baggage claim.

Siti Saliha recalled that previously in the year, she was ready to inflate the cost of ruined baggage in an coverage assert without supplying any supporting receipts.

She had also been able to make a individual insurance coverage assert for a piece of baggage even though it was destroyed prior to the journey.

“The accused felt that this was another chance to exploit the slack checks and balances in put for journey coverage promises, and meant to do so with out her family’s information,” reported Deputy Public Prosecutor Angela Ang.

She went on the net and located photographs of a weakened Louis Vuitton baggage and receipt, as nicely as a receipt for Tumi luggage, which she intended to use to inflate the cost of her destroyed luggage.

She utilized these files to post claims below her own and her mother’s and sisters’ insurance policies insurance policies. AXA and AIG disbursed a whole of S$750 and S$1,000 respectively for the 4 bogus promises.

Getting “analyzed the program”, Siti Saliha determined to make fake travel insurance promises every time feasible by ensuring that she purchased policies for herself and her household before any visits, explained Ms Ang.

She would once in a while also buy travel insurance policy procedures for the sole goal of earning a pretend claim, inspite of there being no journey prepared.


While on a excursion to Tokyo in April 2017, Siti Saliha unintentionally misplaced her wallet made up of about S$5,000 and her Iphone. As her plan did not address decline from own negligence, she created a untrue police report in Tokyo that her possessions ended up stolen.

She applied the law enforcement report in a false claim to AXA. To get all around a cap on the payout she could acquire, she also claimed that her laptop computer was stolen, which was not genuine. The insurance company compensated out S$2,288 to her.

Afterwards that calendar year, Siti Saliha assisted a single of her sisters buy travel coverage for a trip to Krabi, and retrieved her sister’s made use of boarding pass right after she returned.

Siti Saliha then observed samples of adjusting stories and house irregularity reviews on the internet, and amended them on her personal computer to make reference to her sister’s notebook and luggage.

She also identified old receipts for a notebook and baggage, and searched on-line for pics of weakened objects. She submitted these to MSIG together with her sister’s boarding go, and obtained a payout of S$1,500.

Someday in advance of February 2019, Siti Saliha also purchased her mother a coverage for an alleged journey to Pekanbaru. In simple fact, her mother experienced no these types of excursion prepared and the policy was acquired to make a bogus declare.

She manufactured a wrong declare that her mom was robbed of S$600 in income and her Apple iphone, attaching a doctored sample police report and a doctored image of a boarding go that she uncovered on the net. She gained S$1,415 from AXA for this.

She recurring this after her mom travelled to Jakarta in March 2019 and after her individual journey to Kuala Lumpur in April 2019, claiming that possessions were stolen and publishing doctored police stories when this was untrue.

She also volunteered to get vacation insurance policies for a pal with whom she was travelling to Kuala Lumpur in July 2019. She did so intending to make phony promises for a theft on their return, and obtained a payout of just about S$1,500 from AIG.

The offences were uncovered soon after some of the coverage organizations located Siti Saliha’s claims suspicious and carried out interior investigations. They then filed law enforcement studies towards her.

“Really Rather IRONIC”

The prosecution sought five to 7 months’ jail, highlighting the lengths that Siti Saliha went to, such as opening different email accounts to buy the insurance policies without having arousing suspicion.

Defence counsel Yamuna Balakrishnan asked for a great on the foundation that her shopper came from a inadequate economical track record and was the only man or woman offering for her spouse and children associates, some of whom have been unwell and not doing work.

Deputy Presiding District Choose Luke Tan mentioned it was “actually pretty ironic” that Siti Saliha highlighted dire monetary instances in her mitigation when her offences arose from overseas journey.

He said there was “certainly no foundation” not to impose a jail term, which was supported by the scenario regulation.

The punishment for dishonest is jail for up a few years, a wonderful or both of those.