Examples of the Nature of Suspicious Communication/Phone Calls

Examples of the Nature of Suspicious Communication/Phone Calls

Identify suspicious insurance calls and transactions to avoid fraud risks.

Written by : Knowledge Centre Team

2026-01-10

9120 Views

10 minutes read

Exit Pop Up

Live Life More Confidently

Get best insurance from our experts

Name is required Name should be Valid
Mobile Number is required Mobile Number should be Valid
DOB is required DOB should be Valid
Annual Income is required
Please tick to proceed further.

Thank you for your interest in our product. Our financial expert will connect with you shortly to help you choose the best plan.

Key Takeaways


  • Impression scammers can use spoofed caller IDs and pretend to be a bank, IRDA, or police official to extract personal details.
  • Phishing (vishing) calls, tech support frauds, lottery and prize claims, and family emergency hoaxes are some of the common scams.
  • Job and relationship scams exploit the financial and emotional vulnerability of people and convince them to transfer money in the hope of love or employment.
  • Scammers and fraudsters may pose as charity workers to emotionally trigger or as debt collectors to threaten legal action.
  • Staying informed and alert is the best way to safeguard against scammers.

Suspicious communication and phone scams are becoming increasingly common in the digital world today. In spite of the constant warnings from the government, people are falling prey to several gimmicks by fraudsters. They use various techniques to manipulate individuals into sharing their confidential financial information. These suspicious-looking, fraudulent calls can be made by individuals posing as agents of your financial organisation. Or, they may pose as representatives of the IRDA (Insurance Regulatory Development Authority).

Don’t want to get scammed? If you understand the nature of these calls or messages, you can stay protected. Let us help you explore the different types of suspicious communications that are making the rounds in the digital world. 

1. Impersonation Scams (Caller ID Spoofing)

This is the most common type of fraud that individuals are victimised by nowadays. The caller manipulates their phone number to make it appear legitimate, pretending to be a government agency or bank. In addition, they impersonate someone in authority and try to instil a sense of urgency.

You get a call from your bank informing you that someone has hacked your bank account. The caller requests you to confirm your personal information, such as your account number or PIN. Financial institutions never ask their clients to provide such private data over the phone.

2. Phishing Calls (Vishing) 

In a phishing call, the scammers act as a representative from a well-established company or agency. They even resort to the use of artificial intelligence to transform their voice to sound professional and catch the victim off guard.

For instance, a fraudster may call you, saying that he is the representative of a popular online portal that you may frequently use. He would tell you that the platform has detected suspicious activity on your account. Once you are convinced, he will encourage you to share your password, credit card details, etc.

3. Tech Support Scams

You may fall prey to this scam if you believe a random person who calls you and poses as the IT support agent of a renowned company like Microsoft or Apple. They usually claim that your device is affected by malware and offer to fix the problem for a fee. They do this to get remote access to your system. As soon as you permit them, they take control of your system and steal all your personal data.

Secure Your Family’s Future with the Right Life Insurance Plan

Please enter correct name Please enter the Full name
Please enter valid mobile number Please enter Mobile Number
Please enter valid email Please enter Email
Consent is required

Enter OTP

An OTP has been sent to your mobile number

Didn’t receive OTP?

Application Status

Name

Date of Birth

Plan Name

Status

Unclaimed Amount of the Policyholder as on

Name of the policy holder

Policy Holder Name

Policy No.

Policy Number

Address of the Policyholder as per records

Address

Unclaimed Amount

Unclaimed Amount
Error

Sorry ! No records Found

.  Please use this ID for all future communications regarding this concern.

Request Registered

Thank You for submitting the response, will get back with you.

 

4. Lottery and Prize Scams

In a lottery or prize scam, the caller informs the victim that they have won a lottery or a prize in a competition that they do not know of. They then ask for a “processing fee” or personal details to help them claim the winnings. 

Usually, in these instances, the person who calls you may lure you with a large sum of money or an expensive gift. They may ask you to make a payment as the fee for sending the prize to you. However, once you pay them the amount they asked for, they disappear without a trace. 

 

5. Family Emergency Scams

These scam calls aim at creating a situation of panic and then extorting money from the victims. They may pose as a family member or friend who has landed in some trouble and needs quick financial help. 

For instance, your parents may receive a call from someone who pretends to be their nephew or grandchild and informs them that they are in jail. The caller may then ask them to send money immediately. In fact, a lot of callers now pose as police officers and call you using random WhatsApp numbers where the profile picture is that of a policeman. They have the name and information of your child or grandchild and talk in an authoritative tone.

6. Romance and Relationship Scams

A lot of youngsters have been scammed by online fraudsters who first develop a relationship with them, posing as a person of the opposite sex. These are people lurking on dating sites or even matrimonial apps. As soon as they gain your trust, they ask for monetary help and then vanish. 

For example, a person may approach you on Facebook and start chatting with you, finding common ground. Once you start interacting with them, they may start telling you about their daily lives and struggles. Soon, they may ask you for a substantial amount of money for treatment or tand then block you or disappear. 

7. Debt Collection Scams

For these scam calls, the fraudsters pose as debt collectors and threaten the victim with legal action or arrest in case they do not settle the outstanding amount. The caller may claim that they are calling from the Income Tax or Police Department to make the threat sound credible.

For example, you may get a call from a person claiming they are from a law firm and have proof that you owe them a significant amount. They may demand an immediate payment online via GPay or bank transfer and warn you of dire consequences if you do not comply.

trivia-img

Did You Know?

The origins of modern insurance can be found in the London Fire of 1666. Due to the severity of the fires, insurance became essential rather than optional.

Source: Investopedia

1.5 cr Young term insurance

8. Employment Scams

Scammers pose as recruiters from well-known companies, offering the gullible victim a lucrative job. But they may first ask for an application fee or personal details as part of a background check. 

Like, you get a call from a person telling you about an attractive role in a company and explaining that you have to pay a certain amount as an application fee. Or, they may tell you that they are doing a background check and ask you for details. This is usually a fraud call because reputable companies do not call people to give them jobs and do not ask for any fee.

 

9. Charity Scams

With many people ready to help others online via charity and donations, fraudsters have now found a new way to earn money. They pose as charity organisations or social workers helping needy people, orphans, the elderly, etc., and ask for donations.

You may get a call where the person explains to you how a certain number of children need money for books or school uniforms. In fact, they may even send you pictures to make their pitch seem more credible and then share their bank details for you to remit the money.

Be Alert of Scammers Online: Stay Secure 

Many financial organisations regularly alert customers to keep them vigilant about ongoing scams. We warn them not to fall prey to any suspicious communications/phone calls. Also, with our encrypted networks and strong firewalls, we ensure that all your financial information is safe with us. So, stay alert and do not share your personal information with anyone on calls or emails.

Glossary

  1. Sum Insured: Sum insured is the maximum cap on the costs you are covered for in a year against any unfortunate event. It is applicable to non-life insurance policies like home and health insurance. 
  2. Sum Assured: Sum assured is the amount the life insurance company pays to the nominee if the insured event happens (death of insured). This term is used in life insurance policies.
  3. Maturity Value: The amount of money paid out when a life insurance policy matures is known as its maturity value.
  4. Risk Transfer: Risk transfer is a strategic method where a pure risk can be contractually shifted from one party to another as part of risk management and control.
glossary-img
Uncertain About Insurance

FAQs Related to Insurance Policy

A scam call is made from an unknown number, and the caller uses tactics to pressure you to pay money or share information. If they ask too many personal questions or request money, you can be sure that it is a scam call.

If you receive a scam call, do not share any personal details and disconnect the call immediately. If you get these calls repeatedly, block the caller.

Use call-detecting apps to ensure that you know the whereabouts of unknown numbers. Also, enable spam filters on your phone and opt for the Do Not Disturb service with your mobile network provider. 

Disclaimer - This article is issued in the general public interest and meant for general information purposes only. The views expressed in this blog are solely those of the writer and do not necessarily reflect the official policy or position of Canara HSBC Life Insurance Company Limited or any affiliated entity. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the blog or the information, products, services, or related graphics contained in the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk. You should consult with a qualified professional regarding your specific circumstances before taking any action based on the content provided herein.

Recent Blogs

What Is an In-Force Policy in Insurance and Why It Matters?
31 Mar '26
58 Views
6 minute read
Learn what an in-force policy in insurance means, how it works and why maintaining an active policy is important for financial protection.
Read More
Life Insurance
What is Basic Premium in Life Insurance and How Does It Work?
25 Mar '26
101 Views
6 minute read
Learn what basic premium in life insurance means, how it is calculated, and why it matters when choosing the right life insurance policy.
Read More
Life Insurance
What is Net Premium in Insurance and Why is It Important?
25 Mar '26
109 Views
7 minute read
Learn what net premium in insurance means, how it is calculated, and why it plays a key role in determining policy costs.
Read More
Life Insurance
Who is an Insurance Agent? Role & Responsibilities Explained
18 Mar '26
103 Views
8 minute read
Learn who an insurance agent is, the role of an insurance agent, and how they help you choose the right insurance coverage and manage policies effectively.
Read More
Life Insurance
What is an Appointee in Life Insurance? Role & Meaning Explained
18 Mar '26
104 Views
8 minute read
Learn what an appointee in life insurance is, their role, and how they differ from an insurance nominee in managing policy claims for minor beneficiaries.
Read More
Life Insurance
What is Adverse Selection in Insurance? Meaning & Impact Explained
18 Mar '26
100 Views
6 minute read
Understand adverse selection in insurance, its impact on premiums, and how insurance risk assessment helps insurers manage high-risk policyholders effectively.
Read More
Life Insurance
Avail 1 Day Claim Settlement of up to 1 CR
12 Mar '26
986 Views
6 minute read
Canara HSBC Life Insurance introduces 1 day settlement of death claims, with a 98.12% claim settlement ratio. Click Here to know more about the steps for Claim Settlement.
Read More
Life Insurance
No Smoking Day: How Smoking Affects Life Insurance and Financial Security?
11 Mar '26
325 Views
8 minute read
On No Smoking Day, learn how smoking impacts life insurance premiums, policy eligibility and long-term financial security for you and your family.
Read More
Life Insurance
What Is a Joint Life Insurance Policy and How Does It Work?
10 Mar '26
1200 Views
10 minute read
A joint life policy is a single plan that covers both the wife and the husband whether both of them are earning or only one. Understand how it works, who it suits best, key benefits, payout structure, and important points to consider before choosing one.
Read More
Life Insurance

Life Insurance - Top Selling Plans

We bring you a collection of popular Canara HSBC life insurance plans. Forget the dusty brochures and endless offline visits! Dive into the features of our top-selling online insurance plans and buy the one that meets your goals and requirements. You and your wallet will be thankful in the future as we brighten up your financial future with these plans.

Family Shield: Enhanced Protection

iSelect Smart360 Term Plan
  • 3 Plan options
  • Life cover till 99 years
  • Steady income benefit
  • Block your premium at inception

Start Young, Pay Less, Stay Secured

Young Term Plan
  • Life cover till 99 years
  • Coverage for spouse
  • Block your premium rate
  • Covers 40 critical illness

Fixed Returns, Zero Risks & Worries

iSelect Guaranteed Future Plus
  • 4 Plan options
  • Life cover + Guaranteed benefits
  • Accidental death benefit
  • Premium protection cover