I don't think that's the way to go. First, insurance and everything else (including your job) should be strictly decoupled. Second, health-insurance and life-

I don't think that's the way to go. First, insurance and everything else (including your job) should be strictly decoupled. Second, health-insurance and life-insurance companies should imho be required to be cooperatives. That makes it so that incentives are aligned. That the instance company is denying certain claims (both wrongly and rightly) is perfectly fine. In fact, that is good. It's part of the core business to protect against abuse. The balance is important here and will reflect in the premiums. Those two things should already fix most major issues in insurance in a working market with competition.