Major Insurance Scam Exposed in Meerut: Four Arrested for Fake Admissions and Surgeries

Meerut, Uttar Pradesh: In a significant crackdown on fraudulent insurance claims, the police have arrested four individuals linked to Shubhkamna Hospital in the Nau Chandi area of Meerut. The arrests include hospital staff, doctors, and TPA (Third-Party Administrator) employees involved in a large-scale scam that defrauded insurance companies of crores of rupees.

According to SSP Dr. Vipin Tada, preliminary investigations revealed that between September 2024 and January 2025, over 100 fake patients were registered on hospital records. In several cases, surgeries were shown on paper even though no procedures were performed, and patients were never admitted.

The scam came to light when Sudhir Mishra, a manager at Bajaj General Insurance, noticed discrepancies between hospital records and actual patient data. Upon further internal investigation, he reported the matter to the police.

Hospital Ownership and Management
Shubhkamna Hospital, located on RTO Road, is owned by Kamil and Mustaqeem, while the hospital’s operations were reportedly managed by Meenu Malik, along with unqualified practitioner Akhtar and partner Imran. Ownership shares reportedly stood at 50% for Meenu Malik, and 25% each for Akhtar and Imran. Investigations indicate that the fraudulent claims were executed during their management tenure.

Fake Admissions and Surgeries
Police investigations highlighted several shocking examples. Rajeev Arora from East Delhi was shown as admitted and having undergone surgery, although he never visited the hospital. Similarly, Kapil Jain from Karol Bagh and a woman named Neha were falsely listed as patients, with insurance claims processed in their names.

SSP Dr. Tada revealed that TPA employees Avi Kumar and Sandeep Sharma admitted to facilitating 25–30 fake insurance claims every month over the last five months. Following this, the police also took into custody hospital operator Meenu Malik’s husband Amit Malik, partner Imran, and other staff members for questioning.

Division of Fraudulent Funds
The inquiry revealed a systematic distribution of the fraudulent insurance payouts: 25% went to the “patients,” 10% to TPA employees, 10% to pathologists, 10% to doctors, and nearly 45% remained with the hospital management. Falsified bills were prepared via TPAs, while doctors and pathologists created patient files to complete the claim process.

Financial Transactions Under Scrutiny
Police are now examining the roles of the hospital’s primary owners, Kamil and Mustaqeem, to determine their involvement and share in the fraudulent proceeds. Call records, financial transactions, and the full list of beneficiaries are being analyzed as part of the ongoing investigation.

Hospital Director Claims Innocence
Meanwhile, Meenu Malik, the operator of Shubhkamna Hospital, has claimed she was unaware of the scam. She stated that the TPA employees carried out the fraud without her knowledge nearly ten months ago. She also questioned the role of insurance company staff, noting that claims were approved without physically verifying patients, and called for accountability at that level as well.

The case has sent shockwaves through Meerut, highlighting vulnerabilities in the healthcare insurance system and prompting stricter scrutiny of hospital claim practices.