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.
The vast majority of insurance companies do their damndest to avoid their contractual obligations by altering the terms and conditions without input from their customers, often removing the key contracted provision the customer was forced into purchasing a policy for in the first place.
Defend the liars and thieves all you want, they are still crooked as a dog’s hind leg at the best of times.
The ONLY reason they still exist is because the government FORCES the public to purchase the product on pain of further financial punishment.