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Protection strategy holders comprise of people and gatherings who convey protection arrangements, including the two patients and managers of patients. Exercises including Protection Policy Holders may include:

 ✓ Providing counterfeit eligibility record to take advantage of the benefits [16]

 ✓ Submitting false claims for the services which were not performed ever before [16]

 ✓ Availing insurance benefits by using illegitimate or fake card information, and

 ✓ Exploiting the flaws in the insurance policy to self-benefit.

In 2007, a misrepresentation case was submitted by erroneously documenting a disaster protection guarantee. The fake proprietor faked his own demise in a kayaking mishap and carried on a mystery life in his home for a long time [17].