New Delhi, October 12, 2025 – Crime Bureau Report: In a bizarre case that blends greed, deception, and meticulous planning, the Najafgarh police in Delhi have uncovered a fake death insurance scam involving a man who allegedly staged his own death to claim a ₹2 crore insurance payout.
The accused not only faked his death in a staged road accident but also went so far as to organize a fake cremation and host a traditional feast for villagers to make the death appear genuine. The elaborate hoax was exposed when the accused attempted to secure official police documents to process the insurance claim.
The “Accident” That Never Was
On the night of March 5, 2025, police at Najafgarh station received information about an alleged accident on Firni Road, involving two motorcycles. According to initial reports, one person had sustained serious injuries and was later declared dead.
The man’s family announced his death to the community, took the supposed body to Garh Ganga for cremation, and even produced a cremation certificate. Villagers were invited to the thirteenth-day feast (a post-death ritual), which further reinforced the illusion that the man had truly died in the accident.
The goal, police say, was to double the insurance payout — the man had a ₹1 crore life insurance policy, which offered a ₹2 crore benefit in the event of accidental death.
The Scam Falls Apart
The fraud began to unravel when the insurance company requested official police documents to process the death claim. Shortly thereafter, a man claiming to be the deceased’s lawyer arrived at the police station with another individual who posed as the biker allegedly involved in the fatal crash.
They attempted to convince officers that the accident had indeed occurred and that all rituals, including the cremation, had already been completed. However, as the officers from the Najafgarh police station began to question them, their statements started to contradict one another, raising immediate suspicion.
Further investigation revealed glaring inconsistencies in the accident details, timeline, and witness accounts. Over several days of inquiry, police confirmed that no death had occurred at all — the accident was fabricated, and the supposed victim was alive.
Police File FIR, Accused Seeks Bail
The Najafgarh police have registered an FIR under charges of cheating, forgery, and criminal conspiracy. The investigation is ongoing, and officials are examining financial records, communication between the accused and his associates, and the source of the forged cremation documents.
A senior police officer said, “This case demonstrates the extreme lengths to which individuals go for financial gain. Every detail — from the fake accident to the thirteenth-day feast — was carefully orchestrated to appear authentic.”
The accused, now identified by investigators, has moved court seeking anticipatory bail, even as police continue efforts to locate and arrest others potentially involved in the scheme.
A Growing Trend of Insurance-Linked Frauds
Authorities note that such insurance frauds are on the rise, with many adopting increasingly sophisticated methods to outwit both insurers and investigators. Cyber and economic crime units have been collaborating to curb this trend, which often exploits gaps in claim verification processes.
The Najafgarh case serves as a stark reminder of how greed can drive individuals to concoct elaborate hoaxes — faking death, forging rituals, and deceiving entire communities — all in pursuit of easy money.
