

The problem is the basic idea, what an insurance is.
In the anglophone world, insurance companies developed from brokers who offered bets on whatever you wanted to insure.
In my country, many insurance companies develeoped out of historical mutual aid societies – everybody contributes to the insurance’s fond, and get’s the (reas/in)surance to receive help when needed. That’s especially true for all kind of social insurance or fire insurance companies.
US health insurance seems to be of the betting kind and no mutual aid society. That’s a problem with deep roots.
Does Nestlé sells bottled water? I only ever see local/regional bottled water.