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ICO.Link - Detecting fraud with daily sickness and long-term care benefits

Health insurers face challenges in detecting fraud with daily sickness and long-term care benefits: Low insurance prices and ease of purchase make daily sickness and long-term care benefit insurance attractive to policyholders with dishonest intentions. Experience has shown that several - sometimes dozens - of policies are often taken out and the duty of disclosure enshrined in the policy conditions is ignored. ICO.Link offers the first systematic and yet data protection-compliant way of taking action against such misconduct and against cross-insurance fraud.

The blind spot in fraud defence


An increasing number of professional fraud cases, which often involve multiple insurance policies in health and long-term care tariffs, affect several insurers at the same time. This situation is favoured by the low risk of detection, which in turn attracts repeat offenders and organised crime. The existing mechanisms for fraud defence thus reveal a clear `blind spot’. Effective solutions are urgently needed to counter fraud losses and preserve the integrity of the insurance industry.

The solution: ICO.Link platform

ICO.Link makes it possible to detect multiple insurance fraud in the area of health and long-term care benefits through a GDPR-compliant comparison of encrypted data records. With a unique fingerprint for each claim, multiple policies can be recognised across all insurance companies. Developed with expertise in cryptography and data protection law, the process was successfully tested with 18 insurers in 2022. Not only does it work excellently to detect duplications in this way, but according to independent expert opinions, it is harmless under data protection and criminal law and complies with the GDV Code of Conduct.

Fraud scenarios

Financial aspects

Possibilities and benefits of ICO.Link

Uncovering major fraud
Recognising AVB violations and falsified expert opinions
Exchange on suspected cases
Direct savings potential and recovery claim
Data protection compliance confirmed by experts
Minimised internal expenses
Effective estimation of the amount of damage
Uncovering major fraud

ICO.Link helps to uncover wilful fraud cases involving several insurers. Multiple contracts serve as an indication of wilful fraud. Your reports - without passing on personal data - make it possible to initiate a targeted investigation

Recognising AVB violations and falsified expert opinions

ICO.Link supports a comprehensive check for AVB violations and falsified reports (such as Medicproof)

Exchange on suspected cases

A GDPR-compliant comparison of encrypted data records between insurers reveals cases with legal violations, which enables an in-depth check (including exchange between insurers).

Direct savings potential and recovery claim

Thanks to breach of contract detection with ICO.Link, insurance companies are released from performance obligations and can assert recourse claims. The solution therefore amortises in a short time

Data protection compliance confirmed by experts

The use of ICO.Link is legally secure and compliant with data protection regulations - this has been confirmed several times for health data for instance by independent experts. The multi-level encryption ensures that the allocation to a person with multiple insurance is only possible in-house

Minimised internal expenses

The introduction of ICO.Link is associated with minimal internal (IT) resource expenditure, as no integration into the core systems is required and the feasibility of the procedure is legally secured by expert opinions in accordance with the GDPR and StGB.

Effective estimation of the amount of damage

The ability to estimate the losses caused by misconduct in insurances for the first time allows insurance companies to assess risks more precisely and optimise their profitability.

Take part now: Fighting fraud innovatively

Pilot studies have been successfully completed and we are now working with well-known insurance companies to further expand the platform. Because the more insurers that join, the more efficiently the solution works. Be among those who promote innovation now!

Would you like a detailed product presentation? Please feel free to contact us anytime.

Any questions? 
Let's talk

Swantje Peter

+49 3641 92 90 988 sp@ico-lux.com