Get real. The article said the dude over dosed, then hit a tree.
I did not read any mention of drug over dose nor alcohol, etc. in this article.
2.) However, the intent or method of injury is irrelevant. Even if someone shoots themselves in the head, intentionally. You must do all you can to help them. You do not know the circumstances, background, etc. and most of what you hear is some version of the truth that has been spun to sell some “philosophy” by those telling the story. If this is a UK paper, they will of course have a socialized healthcare bias they like to push. If you're in healthcare, you're ONLY concern should be, “what can I do to improve the probability of a positive outcome?”
These big corporations pay money for services to get high online reviews/ratings, they have some influence over the media itself as someone that spends a lot on advertising.
UHC has a reputation to try to skimp and save a buck wherever they can in such cases, even if according to their own policies the person is likely entitled these benefits. But when you delay and create hurdles, some folks give up, a few may even die, and you might not need to pay anymore. Do you think it's a mere coincidence that it can take up to a year to get money back for a claim, even for a common situation? Do that for 30,000 people over a year, and that's easily $40 million (based on average claim size) that were in the insurance companies pocket for a longer time...
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Not one person doesn't break the law.
Not one person doesn't sin.
Not one person doesn't engage in some sort of high risk and potentially self destructive behavior.
Young people do stupid things.
Once people have to face tough times, that is where you see who the Christians, friends, or good Samaritans are.