Fraudulent acts or omissions. scam to gain unlawful gain Whether the beneficiary of the fraud is the person who commits the fraud itself. or any other person involved.

"Internal fraud" means fraud against a company. assured beneficiary Person entitled to claim under the insurance contract or victims by directors, executives, employees or employees, either alone or together with other people from inside and outside the organization.

"External fraud" means fraud against the company. assured beneficiary Person entitled to claim under the insurance contract or the victim by the insured beneficiary Person entitled to claim under the insurance contract non-life insurance agent Non-life insurance broker Person assigned by the company or other persons who are not directors, executives, employees or employees of the Company

1. Seeing fraudulent actions against the company, both inside or outside the company, such as joint fraud in a forged manner change information Create fake evidence of damages to make a claim against the company.

2. Seeing other fraudulent actions against the company, such as misappropriating company assets for personal use.

3. Found an act that violates the procedures according to the Company's rules and regulations or affecting the internal control system of the company until it is suspected that it may be a channel for fraud or other fraud.