Referral-linked customer cluster with escalating claims at a single clinic

The customer graph around this agent forms a closed referral chain: six policyholders acquired within a short span share a surname pair, an address block in the same district, and the 010-84xx number range. Their contracts stack hospitalization and surgery cover, and claims begin 2–4 months after issue — each larger than the last, eight of nine treated at the same clinic. One payout account recurs across four claims of different insureds, which has no benign household explanation in this cluster. The combination matches an organized soft-fraud ring rather than coincidental utilization; the agent's below-par production with a claims-heavy book is consistent with recruitment-based selling into the ring.

Nine claims across the cluster; amounts escalate monotonically and eight route through Hanseong Medical Center.

Protection-product stacking across the six-customer cluster; issue dates cluster ahead of the claim series.

Cluster statistics vs. branch baseline.