Not so! Medical insurance coverage insures the patient against the medical costs of malpractice, with indemnity agreements. Settlement is based on projected medical costs of the insured's injury. But, the malpractice attorney usually negotiates a fractional repayment of those costs to settle with insurance company for the benefit of the plaintiff. So, malpractice costs go up, and insurance costs go up. Been there, done that.
The medical insurance carrier has nothing to do with pain and suffering damages and punitive damages.
The subject that I was addressing with the other poster was bogus malpractice claims, not legitimate claims wherein the patient actually needs ongoing care resulting from botched medical treatment.