this is interesting,...mind telling more about this death due to accident and cannot claim due to non disclosure....
if got the link to the story, then better still

 

Unless you have proof of "most of the time", it's all in your own opinion or assumption or generalization without facts.

That being said, when you sign into any papers, you're subject to their tnc just like you subscribe to any services i.e telco line, salon packages.

No one is forcing you to sign the dotted lines if you don't agree to their requirements. And if you choose to sign the dotted lines, it's your responsibility to read what you're signing. If you take the "tidak apa attitude", then expect to get hit right at the back when it comes to claims.

Consumers will tend to blame everything on the service provider when often they don't blame themselves when it comes to a mistake. It's a 2 way communication not a one way.

Judging from the way you're writing this post, I'm sure you'll find another way to goreng yourself to another argument when you're not having an open mind to accept reasoning but only want to read the answers that you want to hear, so I'll stop here.