The Opportunist

Corruption is still widespread throughout Asia, the sub-continent and the African nations, while document forgery is common, particularly among many Middle East and Eastern European countries. Some insured's view a foreign language and the remoteness of the alleged incident as a safeguard against possible investigation.

For those prepared to test the system, Travel Insurance is seen as an opportunistic crime, a fraud which can be easily perpetrated for immediate reward with little risk and often, it can be a lucrative business for many.

Claims for elective and cosmetic surgery or extensive dental treatment are common with Iran surgeons doing more than 40,000 nose jobs every year.

Some fabricate or have medical providers drastically inflate receipts so the potential claim, if honoured would pay for their entire holiday.