The Slovenia Insurance Supervision Agency published an educational note and PDF outlining the criminal-law treatment of insurance fraud in Slovenia, clarifying how “insurance fraud” sits within the broader category of fraud and when conduct connected to insurance contracting and claims can trigger criminal liability. The note summarises the relevant provisions of the Slovenian Criminal Code (KZ-1), including the distinction between general fraud (Article 211(1)) and insurance fraud (Article 211(2)), where criminalised conduct includes providing false data or withholding material information at contract inception, entering into prohibited double insurance, contracting after an insured or loss event has already occurred, or falsely presenting a loss event. It highlights the penalty structure (up to three years’ imprisonment for fraud, up to one year for insurance fraud, with aggravated forms reaching one to eight years where two or more persons join to defraud or where “large pecuniary damage” exceeds EUR 50,000, and one to ten years for offences in a criminal organisation) and notes case law that treats insurance fraud as preparatory conduct, with the offence becoming attempted or completed fraud once a claim for payment is made and, if paid, the insurer disburses compensation. The agency also covers document forgery (Article 251), including cases involving forged customer signatures by insurance agents, and notes that involvement in signature forgery can support administrative measures such as withdrawal of authorisation; it adds indicative typologies and reported shares of insurance-fraud behaviour (including damage exaggeration at over 39%, misstatements or omissions at the time of loss at around 32%, and intentional or fictitious loss events at around 12%) and cites estimates of more than EUR 10 million of insurance fraud per year in Slovenia and EUR 13 billion across Europe.
Slovenia Insurance Supervision Agency 2025-11-20
Slovenia Insurance Supervision Agency publishes criminal law explainer on insurance fraud and document forgery
The Slovenia Insurance Supervision Agency released a note on the criminal-law treatment of insurance fraud under the Slovenian Criminal Code, distinguishing between general and insurance-specific fraud. It outlines penalties, including imprisonment, and highlights case law on insurance fraud as preparatory conduct. The note also addresses document forgery and provides typologies and statistics on insurance fraud, estimating over EUR 10 million in annual fraud in Slovenia.