In Belgium, insurance fraud attempts are evolving. They are becoming professional and adapting continuously, in order to continue exploiting the flaws in the system. In an effort to combat insurance fraud, Belgium has structured an entire ecosystem to detect, document and punish fraudulent behavior.
Are you a broker, insurer or player in the sector? Find out which are the main Belgian services in the fight against insurance fraud: their roles, their tools, but also what they can do concretely for you.
The fight against insurance fraud does not rest on one pair of shoulders. And thankfully! In Belgium, several anti-fraud services work together to detect scams, limit abuses, but also to protect insurers and their policyholders.
This non-profit association is one of the main players in the fight against insurance fraud in Belgium. It brings together insurance companies active in the country around the same objective: to fight against fraudulent declarations.
Her role? Facilitating collaboration between insurers, sharing relevant information and set up collective actions for prevention and detection. Alfa Belgium acts as a coordination platform.
And his actions?
A professional union of insurers, Assuralia is the voice of the insurance sector in Belgium. This federation protects the interests of insurers while carrying out actions to prevent and combat insurance fraud.
Her role? Coordinating the efforts of member insurance companies, professionalize detection devices and develop a common culture of vigilance. Assuralia focuses on ethics and respect for privacy.
The various actions put in place:
The National Institute of Health and Disability Insurance (INAMI)
INAMI is a Belgian social security actor. It organizes and controls the majority of healthcare reimbursements in Belgium. As such, it ensures that every euro spent in the health system is justified.
Her role? Guarantee financial integrity of the health care system in controlling suspicious medical practices. In this way, INAMI is actively fighting against all forms of fraud related to health insurance.
Fields of action:
The Federal Public Service Finances (SPF Finances)
The SPF Finances is the federal public service that administers the finances of the Belgian State. It is he who Collect taxes, who manages the public budget, and who is fighting against tax evasion. It therefore plays a role in the fight against insurance fraud, especially when it is linked to fiscal or financial offenses.
Her role? Analyze, investigate and transmit information relevant to judicial authorities as well as to the insurance companies concerned. The SPF Finances traces complex fraud to the source.
Fields of action:
The Financial Services and Markets Authority (FSMA)
The FSMA is the body responsible for monitoring the financial markets in Belgium. It intervenes as soon as a financial actor practices a form of fraud. In the field of insurance, it controls: the rules of conduct and the distribution of insurance products, the quality of products, information and consumer protection, etc.
Her role? Protecting consumers and overseeing insurers. The FSMA ensures that insurance companies, brokers and distributors respect the rules of the game: transparency, advice, information, etc.
Fields of action:
The device to combat the Belgian insurance fraud Blend legal actions, shared devices and sectoral initiatives. In the event of proven fraud, the Belgian Criminal Code provides for significant sanctions. Fines can be hefty and prison sentences can be up to 5 years.
And for good reason: according to a study conducted in 2025 by Selvitys For Finovox, nearly 9% of Belgians admit to having already falsified a document.
Faced with this general observation, Belgium is organizing itself. Professional associations federate insurers around shared databases And of detection protocols. For their part, the public authorities conduct their own investigations, Intersect the data and punish detected fraud.
In addition, there is work to prevent and train employees in the sector, who can now rely on digital anti-fraud tools.
Finovox is a digital solution that automates the fight against document fraud. It is aimed directly at insurers, brokers and compliance services who need to process a large number of supporting documents, often urgently.
Strengthening existing mechanisms
The Finovox software does not replace your teams. It improves the quality of their checks.
You continue to collect documents (invoices, certificates, contracts, identity documents...). But instead of analyzing them by eye, you put them into a SaaS platform, or you integrate their control into your workflow via an API.
Reliability of controls
Since the arrival of Finovox in Belgium, the fight against insurance fraud has been taking shape. Its advanced AI can detect inconsistencies, alterations, and anomalies that were once ignored because they were invisible to the naked eye. It allows insurance professionals to make quick, well-reasoned and, above all, secure decisions.
RGPD compliance
The Finovox solution complies with European rules and respects all the requirements of the RGPD. The analyzed data is processed securely, in a framework strictly in accordance with the CNIL.
When it comes to documentary fraud, Belgian insurance companies are on the front line. Are your compliance systems in place? Finovox can strengthen them.
