Unfortunately I’ve never known a insurance company in the business of paying out claims. It’s always seemed to be in their best interests to pay out at little as possible.
You can imagine the lengths they go to do this as it’s great for their bottom line. Adding this mentality to things beyond physical things like human healthcare seems scary to me.
As messed up at times government run things can be I’m still glad for universal health care in my country not being a profit center for those running it.