Why can't health insurers be upfront about waiting periods, pre-existing exclusions and policy changes before members try to claim?

“to a new policy that meet my specific needs?" I found out the hard way that NIB show no compassion and just keep taking my premium each month even though I no longer have the critical cover I need. They then insist I hav…”

“started getting dental pains that escalated rapidly. They told my surgeon and hospital that this was all covered - 2 days before they say that this is not covered as it is a pre-existing condition. It is not. I've paid a…”

“In February I had dental surgery and needed to go into hospital for it for a day trip. I started my health insurance in July and late August I…”