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Not sure what the issue is here, but this may be a US-centric problem..?
Here in Australia, insurance companies are required to demonstrate sufficient means to cover the risk they carry on their books. We have a government body (APRA) that regulates and routinely audits this (along with other requirements).
What the company spends on coffee, furniture or marketing has no bearing on this - those are expenses for them to manage after they satisfy the above requirements.
It's not about being able to cover their liabilities, but charging ridiculous rates partially due to the fact that they also need to pay multimillion dollar advertising budgets. Or worse, bring the price down by giving shockingly low coverage that is somehow still legal.
Worse still, our healthcare system relies nearly solely on private health insurance.... and yes they do it too. See: MetLife Stadium
I'm referring to OP's assertion that "Isn’t this our fucking money you’re meant to give out should, god forbid, something happen?".
I don't disagree that the insurance industry is a cottage industry, largely built on/supported by FUD, but that wasn't the point of my reply.
One of the unethical behaviors that is becoming all too common, is for an insurer to deny by default. Then if you want the reimbursement you’re owed, you have to fight for it, and not ebpveryone knows how or is willing to.
Oh I'm sorry, being impaled on a metal pole is a pre-existing condition, so you don't deserve coverage for it anyway! Also two hearing aids is experimental and not coveted! Mmmkay go fuck yourself byyyeeee.