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At least in the UK this seems to be a growing problem and jail isn't a scalable solution. See for example: https://www.bbc.com/news/articles/cm2rr9pg4jzo

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Like a lot of things in the UK, the problem isn't the harshness of the law, it's the lack of prosecution. It doesn't matter what the punishment is when criminals know that the crime is extremely unlikely to be investigated or make it to trial.

> it's the lack of prosecution.

The UK allows private prosecution, if it was a real problem the insurance companies would be using it, instead of attempting to make the state pay for it.

You still need to be able to realise something is fraudulent and pursuing prosecution has a significant cost to the insurer that is likely to be a net-loss financially. Not to mention the reputational risk of the public believing you prosecuted someone wrongly.

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