What is the ruling on intentionally inflating health insurance bills to approach full compensation, and how does one repent and rectify the error if they cannot recall all the amounts?

If the insurance is cooperative and mutual, it is not permissible to defraud in order to take more than one is entitled to, and what was taken unjustly must be returned.

However, if the insurance is commercial and forbidden, it is not permissible to subscribe to it except for someone who is coerced or ignorant. The subscriber is permitted to take from it only what they have contributed.

Therefore, if what was taken is equivalent to the installments paid in commercial insurance, then there is no harm. If it exceeds that amount, it must be returned to the company, otherwise, it should be spent on charitable causes. What is unknown in amount should be estimated based on overwhelming probability, while refraining from commercial insurance in the future except out of necessity.