You probably need a link to confirm that claim, do you have one?
Claim settlement ratios are all over the internet. here's the first one that comes up...
https://www.renewbuy.com/articles/health-insurance/claim-settlement-ratio#:~:text=Which health insurance company has,in the year 2021-2022.
There is no suggestion that those stats are not generally representative of the health insurance industry. The insurance industry, overall, has payment ratio of around 90% for all types of policy.