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I really don't agree here. There needs to be common sense restrictions on when it's fine/okay to use AI and when it shouldn't. Giving you devastating news that your insurance isn't going to pay for your potential life-changing medical expenses is not okay to use AI, IMO.

But in this case of insurance, it's quite simple, just close an agreement with another company.

A person is not obliged to accept something they do not agree with. If the insurance company changed its terms and you didn't like it, look for another one that suits you.