Fake Health Insurance Enrollment Call Scam Examples
Callers impersonate health insurance providers or government schemes to sell non-existent policies, collecting premiums and personal data for worthless coverage.
Last reviewed: 1 June 2026
Sanitized example messages
Illustrative, sanitized examples. Personal details are replaced with placeholders such as [phone number] and [fake link].
Hello, I'm calling about the new government-subsidised health insurance scheme in your area. You qualify for cover starting at [amount] per month — can I take your details to enroll you today?
This is [Insurance Company Name]. Your current health cover expires soon and we can offer you a comprehensive plan at a reduced rate if you enroll before the end of this week.
We're following up on your inquiry about private health insurance. I can confirm your eligibility today and set up your direct debit — I just need your bank details and date of birth.
What the scammer wants
To collect insurance premiums for a policy that does not exist or will be cancelled after the first payment, while harvesting personal and financial details.
Red flags in the message
- Unsolicited call about a government health scheme you are unaware of
- Pressure to enroll and pay by the end of the call
- Cannot provide a company registration number or FCA reference
- Request for bank details before sending any policy documents
- Unusually low premiums for comprehensive health cover
A safe response
End the call. Research health insurance independently through the FCA register or a regulated comparison site, and never pay for a policy without receiving written documentation first.
What not to send
- Bank direct debit details
- National Insurance number or NHS number
- Date of birth combined with address
What to do if you already replied
- Cancel any direct debit set up during the call with your bank
- Request a full policy document — genuine insurers can always provide one
- Report to the FCA if the firm is not registered or if you suspect fraud
Evidence to preserve
- Screenshot the full message or call details
- Note the sender number, email, or profile
- Save any links (without clicking) and payment details
- Record dates and times