Wouldn't it be fair to point out that insurance companies exist in totalitarian/autocratic countries -- and they also deny some claims ?
Are you assuming that "totalitarian/autocratic" is synonymous with "socialism"? That would be naive and incorrect, if not I don't see the relevance of your point.
@redbai . . . no, I was trying to point out that denying claims likely can happen in any type of government. IMO, the 'meme' "paints too narrow a brush"
@FearlessFly Ah, your attempts at the pointless. I forgot you do that.