The Governing Body of Jehovah's Witnesses, its committees, and thousands of Witness elders around the world are guilty of indirect, yet deliberate, health insurance fraud.
They teach their followers that the future holds "perfect health" for them. They discourage giving too much attention to actual health care, as their time and money should be given to their religion.
Witnesses are lead to believe that their devotion to their religion, including financial contributions, is their "insurance" for perfect health (along with many other things) in the future.
The Governing Body claims that they and others will personally give perfect health to followers. This is a claim that has been repeated numerous times for many years.
Health insurance fraud is a crime even if done in the name of religion.