Psychological Drivers of Insurance Fraud

Inhaltsverzeichnis (Table of Contents)

• 1 Introduction
• 2 Main Part
  • 2.1 Justification with the help of Broad Pervasiveness
    • 2.1.1 Broad Pervasiveness of Insurance Fraud
    • 2.1.2 Psychological drivers of Insurance Fraud on the supposition of Broad Pervasiveness
    • 2.1.3 Behavior on the supposition of Broad Pervasiveness
  • 2.2 Justification under assumption of Triviality
    • 2.2.1 Dimensions of Insurance Fraud
    • 2.2.2 Psychological drivers of Insurance Fraud on the supposition of Triviality
    • 2.2.3 Behavior on the supposition of Triviality
  • 2.3 Blaming the insurance as victim
    • 2.3.1 Occurrence of the phenomenon of Blaming the victim
    • 2.3.2 Psychological drivers of Insurance Fraud on the supposition of Blaming the victim
    • 2.3.3 Behavior on the supposition of Blaming the victim
  • 2.4 Negation of the victim
    • 2.4.1 Negation of the victim in the context of Insurance Fraud
    • 2.4.2 Psychological drivers of Insurance Fraud on the supposition of Negation of the victim
    • 2.4.3 Behavior on the supposition of the Negation of the victim
  • 2.5 Comprehension of the Principles of Insurance
    • 2.5.1 Financial and insurance-linked education in the Population
    • 2.5.2 Psychological drivers of Insurance Fraud under a lack of comprehension of the Principles of Insurance
    • 2.5.3 Behavior under the lack of comprehension of the Principles of Insurance
• 3 Concluding Remarks

Zielsetzung und Themenschwerpunkte (Objectives and Key Themes)

This master thesis analyzes the psychological drivers of insurance fraud. It aims to explore how insurance fraudsters try to justify their behavior and which forms of reasoning are used. The study focuses on the five justifications: Broad Pervasiveness, Triviality, Blaming the Victim, Negation of the Victim, and Comprehension of the Principles of Insurance. The work further examines the psychological drivers behind these justifications and their impact on the actual behavior of insurance fraudsters.

• Justification of insurance fraud based on broad pervasiveness
• Moral and psychological justifications for insurance fraud based on the assumption of triviality
• Blaming the insurance company as a justification for fraudulent behavior
• Negation of the insurance company as a victim of fraud
• Justification of insurance fraud due to a lack of comprehension of the principles of insurance

Zusammenfassung der Kapitel (Chapter Summaries)

The study investigates the psychological drivers that motivate individuals to commit insurance fraud and how they rationalize their actions. The analysis delves into five primary justifications: Broad Pervasiveness, Triviality, Blaming the Victim, Negation of the Victim, and Comprehension of the Principles of Insurance. Each chapter delves into the psychological underpinnings of these justifications and their impact on the behavior of fraudsters.

• Chapter 1: Introduction introduces the concept of insurance fraud and its prevalence, highlighting the financial and societal consequences. It discusses the potential motives for committing fraud and the need to understand the psychological justifications used by perpetrators.
• Chapter 2: Main Part explores the five justifications for insurance fraud in depth. It examines how the perception of broad pervasiveness, the perceived triviality of the fraud, blaming the insurance company as a victim, negating the victim's existence, and a lack of comprehension of insurance principles contribute to the decision to defraud.

Schlüsselwörter (Keywords)

The core keywords and focus topics of this master thesis include insurance fraud, psychological drivers, justifications, broad pervasiveness, triviality, blaming the victim, negation of the victim, comprehension of the principles of insurance, financial education, moral reasoning, cognitive dissonance, and behavioral analysis. It examines the interplay of these factors in understanding and preventing insurance fraud.