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Why does health insurance has more loophole and rights to deny the claims?

Just wondering because most insurance such as automobile, life, loss/damage and house has less deny the claims? But for health insurance, it more details and many ifs and many rules on what to cover and what not to? Why not make it simple like any other type of insurance such as house, life, accidents, and automobile? Or other way around, make it more rules and details on what cover and what is not on all other insurance which make claims being deny more.

Public Comments

1. because if insurance companies can pretend to cover certain things that they actually don't have to cover, they can make more money off of you than if they were straightforward with people... it's a sick a disgusting process
2. If you actually read the policy you'd know what's covered and what isn't.
3. All insurance has situations that are not covered. Health insurance has more because there is so much more medical conditions and treatment to consider. And you hear about it more because there are so many options available, then people don't understand their plan or are underinsured and then complain. Have you ever read the fine print of your homeowners insurance - I'm pretty sure it's just as bad but there are fewer claims, so less people complaining.
4. They have very few loopholes. They can only deny claims, if 1. you lie to them when you take out the policy or 2. you don't buy the coverage, that you're submitting the claim for. That's it. Very basic. The problem is, many, MANY people try to lie and cheat and defraud the health insurance companies, and then they get caught out, the claim gets denied, and they blame the health insurance company. Your insurance is only as honest as you are - because YOUR dishonesty, is what voids the coverage. Want to avoid having these problems? STAY INSURED.
5. Because too few people actually take the time and interest to read their policies. I cannot imagine people paying hundreds, , if not thousands of dollars a year for insurance and not having a clue whether this or that is covered. When they need it, it's their brother in law or friend, or that ": someone" who tells them it should be covered when it is not. Then, the insurance company is using loopholes to deny the claim. It's your money!
6. the purpose of health insurance companies is to prevent you from getting health care. THAT is how they make their profits.