You know I used to process claims at a health insurance company in the US and while the general public consensus is that they hate that company, I’ve never seen the really scummy things people mention online about insurance. There were never incentives to deny claims or find loopholes or whatever. They just had the benefits listed, and various guidelines written out and you were just supposed to accurately process it to those guidelines, deny or pay, whatever.

I’m sure it happens, and there endless other issues, but it makes me wonder what company would risk that stuff if the one I was at didn’t.