Thailand Office of Insurance Commission advances amendments to insurance fraud reporting rules and criteria for sharing red category information

The Thailand Office of Insurance Commission (OIC) held a meeting to review progress on amending secondary legislation underpinning insurance fraud reporting and detection, linking the changes to the OIC’s Fraud Reporting System and its AI-enabled fraud database used for supervision of the insurance business. The existing Registrar’s notification (B.E. 2564) requires life and non-life insurers to report behaviours that may constitute insurance fraud to build a supervisory database, but the OIC considers it no longer aligned with increasingly complex fraud patterns. Building on 2024 guidance that introduced four behaviour risk levels (green, yellow, orange, red) for assessing the suitability of insurance agents and brokers and required consent to access personal data for screening, the OIC is refining how risk levels are defined and used. Following a 21 January 2026 proposal to disclose red-category fraud information on insured persons to the business sector for underwriting, discussions with the Thai Non-Life Insurance Association focused on addressing discrepancies in yellow and orange classifications that could affect agents’ and brokers’ reputations. The OIC signalled amendments to clarify evidentiary thresholds, including requiring evidence of a complaint or court filing for orange cases and limiting red cases to situations involving licence suspension or revocation or a final judgment. The work programme also includes developing new legal provisions to enable disclosure of red-category insured fraud information and upgrading the detection framework through “AI for Fraud 2.0” and an expanded rule base to capture newer, fast-changing fraud behaviours, alongside referral of cases to the Economic Crime Suppression Division for prosecution.