Hsiu-Yun and her son Ming-Chung are owners of a performance troupe. During a performance, her daughter-in-law runs away, resulting in the troupe’s disbandment. Ming-Chung is unable to pay the hefty loan and insurance expenses, but he gets an idea when he learns from his old classmate that people with mental disorders can collect health insurance. Ming-Chung persuades Hsiu-Yun to fake mental illness and claim insurance money. They succeed several times, until the classmate threatens Ming-Chung for a share of the loot. Out of fear, the family panics and second-guesses one another. What started as an insurance scam plunges the family into a state of fear and murderous illusions.
秀雲與兒子明忠苦心經營野台戲班,一次演出因扮演花旦的媳婦失場,導致戲班被迫結束。繳不出巨額貸款及保險金的明忠,從老同學處得知精神疾病也可以申領醫療保險後,慫恿秀雲裝病,憑出色演技將保險金騙到手。兩人食髓知味,將媳婦也拉下水。三人使出渾身解數,假裝有自殺傾向或患上有幻覺的嚴重抑鬱,分別到醫院求診,住院時更要繼續裝病,不被發現。他們多次成功騙取保險金,直到老同學因分贓不均要脅明忠,一家人為了脫罪,人心惶惶,猜忌、抱怨、歧見越來越深。原以為只是裝瘋賣傻騙取住院保險,卻讓全家都陷入恐懼與殺人幻想裏!