Meerut: Trilok Kumar He died twice in six months. That is confirmed by official records of two government institutions. The payment of the insurance also arrived twice.
Days after Toi discovered a elaborate insurance scam that originated in hundreds of millions of rupees, where insurance agents, claims officials, Panchayat authorities and even doctors and bank staff conspired and colluded to ensure that the dying and, sometimes, the dead, the researchers now say that fraud is deeper than it was initially thought. They say that many more agencies and institutions are involved and of the eight initial states that have caught some of the defendants, now they are looking “12 states and counting.”
They cited the case of Trilok Kumar in Delhi as an example. The first time Kumar died, was cancer. That is what MCD records and receipts from the Nigambodh Ghat cremation office in Delhi. A Shaktinagar resident, Kumar was cremated on June 19, 2024, with an official municipal corporation of Delhi (MCD) that lists cancer as the cause of death. That should have been the end of its history. It wasn’t
Six months later, a MCD death certificate emerged, now claiming that Kumar had died on December 27, 2024 at the Govind Ballabh Pant hospital. This time it was cardiopulmonary arrest. The paperwork was false: stamps, stamps, signatures. Toi has the documents in his possession.
“You cannot admit to a man who is already dead, execute medical evidence about him and then deliver his body, all in a single day,” said Sambhal Asp Anukriti Sharma, one of the main investigators in a case that has exposed what the police are calling “one of the most calculated and critical insurance blows” in recent memory.
A senior doctor at the GB Pant hospital said: “When a patient arrives at the emergency, we do not lose time in formalities. But if the scammers convince a patient to provide a false name in exchange for money, with the promise of a guaranteed treatment, there is the possibility that the patient can fulfill.”
Sharma added: “Since PMJJby does not require an exhaustive verification of the nominees, the scammers eliminated multiple policies, waited 45 days, then falsified the death certificates to claim payments. They used different names and took advantage of the minimum checks.”
Sambhal Sp Krishan Kumar Bishnoi said: “We have arrested 16 people, including women, so far.”