The report included recommendations for insurers seeking to fight this type of fraud. These include:

Develop an end-to-end strategy. In addition to finding the fraud as early as possible, part of the solution also is applying fraud mitigation tools before a claim is paid (not after it is paid) as a safety net for those instances when fraudsters slip through the authentication process.
Think differently about authentication methods because current methods may not be enough given the amount of personal information in fraudsters' hands due to data breaches.
Replace outdated methods with biometrics. "Whether physical or behavioral, these methods will be more reliable than passwords or knowledge-based authentication and are accretive to a better user experience," the report said.
Develop a robust and transparent recovery process because a company's brand also is affected.
Emphasize consumer education. "Home in on education around protecting information and various scams, what steps to take if victimized, and perhaps the toughest but most helpful, teaching customers that the face of fraudsters could be family and friends," the report states.

Related:

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Nearly 30% of Americans victims of insurance-related ID fraud