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ISSN : 2093-3843
The aim of the current study is to analyze the psychological features that may encourage insurance fraud. To do this, concept and prevalence of domestic insurance fraud were evaluated. Based on previous research and current trends of insurance crime in Korea, three psychological features-opportunistic, moral hazard and organizational-were suggested. Most insurance frauds have become an organized crime which is schemed by more than two accomplices with the family typically as the victim. In addition, individuals tended to tolerate insurance fraud as acceptable and also have a negative attitude towards insurance companies. Prejudice and tolerance towards white collar criminals, which is the highest category of insurance fraud, had pointed out as a maintenance factor of chronic criminal patterns. Finally the implication and limitation of this study was further discussed and a future study with insurance fraudsters was also suggested.
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