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Yes to Anon@11.11 - it would be interesting to know whether this figure is based on an initial assessment of the claim, whether later settled or not, or whether it is based on the claims that are actually proved to be fraudulent. I suspect, but would be very pleased to be corrected if wrong, that there is pressure on initial claims assessors to identify fraudulent claims (perhaps by having a target for the percentage so identified), but as the case goes down the line it is found that whether fraudulent or not, the practicalities are that it should be paid. I imagine those cases, which are really "possible" not "probable" fraud cases are included in these figures, but would be very pleased to hear that is not the case. Perhaps somebody could ask?