SINGAPORE — Over a span of three years, Siti Saliha Muhammad Hussain managed to fraudulently obtain about S$14,000 in payouts from multiple insurers such as AXA, AIG and NTUC Income.

She did this by exploiting the checks and balances for such claims that she believed were lax, a court heard on Friday (July 29).

Among other methods, she lied that her sister’s luggage and laptop had been damaged during a trip abroad, and that her mother and schoolmate had been robbed.

She also falsified flight tickets, receipts and other supporting documents for her scheme, which she kept a secret from her family.

On Friday (July 29), the 30-year-old Singaporean was sentenced in a district court to five months’ jail.

She has since made full restitution to the six insurance companies she cheated.

The court heard that Siti made 20 fraudulent claims from them between March 2016 and September 2019. She received 17 payouts amounting to S$14,372.

Her offences eventually came to light when the insurers found some of her claims suspicious and conducted internal investigations. They then filed police reports against her.

HOW THE SCHEME WORKED

In one instance, Siti, her two sisters and her mother took a family trip to Kuala Lumpur in September 2016. Siti helped them to buy travel insurance policies with AXA and AIG.

Court documents said that during the trip, the family’s Dunlop luggage bag, which they had bought for around S$200 in 2010, was damaged while being retrieved from the baggage claim...

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