auto does not have malpractice, but they have "bad faith" which is just as bad as malpractice if filed against the company and the company loses.

as for some insurers only accepting preferred customers that is true also, but there are many that only take the minimum limits and high risk only since they make more money. i have worked under both.

i agree if all policies could be 'standardized" like auto.

in auto you pick your coverage and limits . when you file a claim for your auto, it pays for the damages.
if you get injured, it pays the medical bills
if negligent, it pays so you don't get sued
if other party has no insurance or not enough, it pays that also.

the exclusions in most policies are basically the same so no surprises there. in some companies they will slip one in that no one has, but those are few.

after 3 years, most companies will void prior claim history and you start over, whereas have a preexisting condition precludes you from obtaining insurance in most states forever until you reach 65 and can get medicare.

most people will disagree with you, but i have thought for years if health insurancepolicies would follow the same basic rules as auto, that if you file a claim, they pay subject to your deductible and you can rest assured not going bankrupt.

but health insurance needs to be made mandatory for all.