The insurance company sets the terms, the customer abides by those terms, and the insurance company arbitrarily changes the terms with no notice. Sounds fair...
Insurance companies have a bad name for a reason. They are more than happy to take your premiums, but the moment you put in a claim they will move heaven and earth to avoid their responsibilities and commitments.
Insurance companies don’t have responsibilities and commitments they aren’t spouses or family members. What they have and so does the customer are contractual obligations. No more no less. If you cannot accept the terms of one find another. Or go without. I do.
Most people don’t read their policies and just expect claims to be paid on their need or expectations.