But insurance is supposed to payout when an insured person needs it. The only claims they should deny are fraudulent claims. There is an agreement, so neglecting the agreement is still liability.

Like a home care worker being employed and assigned to an elderly person, then decide to go on an hour phone call and not making sure the elderly person doesn’t like fall down or anything, then they finish their hour-long phone call and find that the person they were supposed to be taking care of have fallen down the stairs. Like the home care worker didn’t cause them to die, but its practically the same. There’s probably lawsuits and probably also criminal charges.

But in the CEO situation, the ananlogy would be more like the elderly person ask you to help them walk, and you just refuse to do your job, then they fall down the stairs and you don’t even call an ambulance while watching them die. That’s essentially what the healthcare executives are doing. They are neglecing to provide the service they agreed to while taking premiums. That should be criminal.