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Obviously, it's a fraud because a contract of insurance is a contract uf Utmost good faith technically known as uberrima fides.So, billing for a service not performed is a breach of contract and is liable for penal action by the insurance company against the policy holder committing the crime, leading to cancellation of the whole claim vis a vis denial for renewal of policy in future.

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Q: Is billing for a service not performed considered insurance fraud?
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