AI tools facilitate insurance fraud surge in Poland, 2025
Insurance fraud in Poland reached nearly 800 million zloty in 2025, an 18 percent increase over the previous year, with fraudsters increasingly using AI tools and synthetic identities to commit crimes at the policy-signing stage. Experts report that the insurance industry has entered a new digital phase of criminal activity involving stolen data, impersonation, and exploitation of remote sales channels.
What happened
Insurance fraud in Poland reached nearly 800 million zloty in 2025, an 18 percent increase from 675 million zloty in 2024. Experts from Polska Izba Ubezpieczeń report that insurance crime has entered a new digital phase.
Fraudsters increasingly utilize stolen personal data, impersonate existing individuals, or create synthetic identities combining real and false information to commit fraud at the policy-signing stage. Widespread availability of AI tools has become an additional challenge, with criminals using remote sales channels, price comparison websites, messaging apps, social media, and modern payment methods to prepare and execute increasingly complex schemes.
Reported impact
In 2025, fraudulent activity in life insurance increased by 31 percent compared to the previous year. Deaths covered by policies accounted for approximately 55 million zloty of detected fraud, representing 0.58 percent of the approximately 17.5 billion zloty in life insurance benefits paid out.
Classification
Sources and evidence
Sources not yet published
This record was researched and written by the Index from original reporting. Its sources are still being verified by an editor, and they are listed here once that check is complete. Until then the record carries no reviewer.