you apparently don't understand insurance fraud.  it is more prevalent than you think, that is why insurance companies are so careful; it is not that they don't want to pay the coverage, but they have to protect the other policy holders as well.  when insurance fraud goes unabated by unscrupulous victims and doctors the price of insurance goes up; hence, it is really not the insurance companies paying for this fraud, it is the other policy holders.  can the doctor provide instances where the insurance companies failed to provide coverage and the patient or victim died?