Offer Of Free Health Insurance: Suppose, you get a call from a telemarketer offering you a free health insurance policy. He explains it as a limited-time offer from a renowned insurance company. Also, he explains the benefits that come with it, such as coverage for a wide range of medical expenses, including hospital stays, surgeries, and prescription medications. He also assures you that you would not have to pay any premium for the first year, and only a minimal fee later. Listening to his pitch, you might get excited and go for it. But, in such cases, you should be very careful, as this could be a fraud. You need to read detailed information or read the fine print before opting for it. While the policy certainly offers free coverage for the first year, it comes with hidden administrative fees that you weren’t aware of during the call.