The problem there is profit orientation and it's true for all insurances. Even car insurances do this even if you think they don't. They'll look for a reason t

The problem there is profit orientation and it's true for all insurances. Even car insurances do this even if you think they don't. They'll look for a reason to not pay you a dime even if it's on legally uneven feet. When an insurance is profit motivated, then maximizing profits is the first instincts. Maximizing profits happens by maximizing the deny:payout ratio. My car insurance did this by denying me reimbursement on a covered repair because I didn't go the the repair shop the insurance would have preferred (of which I was informed later and per law this doesn't matter anyway). On the other hand, my statutory insurance has covered any of my eye-care costs with zero questions asked or simple policies usually simply copied from the relevant laws (1 free pair of glasses per calendar year, up to 200€ IIRC, 10€/day for hospital stay beyond medical emergency, etc). The difference? Statutory insurance here is non-profit. Most insurances, even the private ones are non-profit. Very few insurances operate for profit at all. Other than the management overhead, the fees collected go straight into covering medical costs or are invested into fonds as a reserve.