@Peter *********
now you are making a different statement.
Before, you said, “basically it only covers covid.” That is not not true. It covers covid plus all the other diseases that you did not then have when you took out the insurance policy.
Now you are saying that insurance should cover known issues. Insurance is principally designed to cover possible expenses - not certainties.
If an insurance company was going to cover existing conditions, then it would have to charge a significantly higher premium.