Insurance plays a key role in ensuring the financial stability of citizens and businesses, but corruption and insurance fraud undermine the effectiveness of this system. Insurance fraud is a global problem that causes significant economic losses to insurance companies and undermines confidence in the market. In Ukraine, this problem is exacerbated by the prevalence of corrupt practices that become part of the mechanism for evading responsibility or obtaining undue benefits [1, С.114]. Corruption and fraud are often intertwined in complex schemes that involve the staging of insurance claims, such as arson or faked car accidents involving bribed experts and insurance company representatives [2, С.46]. Forgery of documents, for example, providing false information about events that allegedly occurred, involving officials, and unjustified delays in payments - insurance company employees demand bribes for speeding up payments or a positive review of the case. Therefore, to minimize the impact of corruption schemes on the regulation of insurance payments, it is necessary to strengthen control over the activities of insurance companies and create independent regulatory bodies that will have clearly defined anti-corruption powers. The digitization of processes is also important, the introduction of automated systems for reviewing insurance cases reduces the risks of human intervention. It is imperative to strengthen responsibility for insurance fraud - improve legislation that provides for strict sanctions for forgery of documents, corrupt actions and other violations. It is also important to increase transparency, introduce mechanisms for public monitoring of insurance payments and the activities of insurance companies.
