Which of the following is considered claims fraud?

Withholding relevant documentation related to a claim is considered claims fraud because it involves intentionally omitting information that could impact the outcome of the claims process. This act disrupts the integrity of the claims system and prevents the insurer from making an informed decision. In the context of insurance, transparency and full disclosure are crucial for both the insurer and the policyholder; withholding information undermines this principle and can lead to wrongful compensation or denial of a legitimate claim.

In contrast, providing additional documentation to support a claim, assisting policyholders in filing legitimate claims, and filing claims through the official Aflac portal are all actions that promote honesty and clarity in the claims process. These actions help ensure that claims are processed fairly and that legitimate policyholders receive the benefits they are entitled to.