The FBI has issued a public warning about an evolving fraud scheme targeting Chinese-speaking individuals living in the United States.

In this scam, criminals impersonate U.S. health insurance providers and Chinese law enforcement to pressure victims into sending money.

Typically, victims receive a call (often from a spoofed phone number) claiming to be from a health insurance company about a large medical claim. The caller may show fraudulent invoices through video calls. If the recipient denies the claim, the call is transferred to someone posing as Chinese law enforcement who may threaten extradition or legal consequences and demand payment for “bail.”

In some cases, victims are pressured to download video communication software and remain connected for ongoing surveillance.

How to Protect Yourself
• Verify insurance claims directly through your insurance company’s official website or phone number.
• Never share personal information or login credentials with unsolicited callers.
• Do not wire money or send payments to unknown individuals.
• Do not allow strangers remote access to your computer or device.

If You Experience This Scam
Report it to the FBI’s Internet Crime Complaint Center at www.ic3.gov and include any relevant phone numbers, emails, or details about the interaction.