Given, however, that these studies were pilot nature, while fragmented, and that has been carried out in 1992, so in the initial phase of the development of the insurance market, they should be treated with caution. Therefore, it seems unjustified taking frequent, despite a significant passage of time since that study, the indicator 25-cio, or 30-percent share of scams in claims payments and making the calculations on the basis of the size of crime cover over many years. Such method is a quiet assumption that the data was the only variable between the value of gross premiums written and claims paid and gross benefits, assuming a volume percentage of the amount of constants scams in claims payments and all kinds of other factors (eg accident insurance ) affecting the level of payments on claims.
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