Sad to hear your story @beparnf and @lienfaye. I'm a Financial advisor and I understand your concern but in our Insurance company, there's a special website that let you monitor your account health same as your payment history. The only thing that's not convenient are the way company sending the receipt and membership report every month. They are still using courier to deliver house which is not applicable on this pandemic. I strongly believe that Blockchain can do an important changes on this weak spot of insurance industry.
Yes blockchain is the best way of handling insurance in remittance and receipt tracking since blockchain is a pure record and undeniable for having no central control and the risk involving like disappearance after several years of contribution can be minimize, with blockchain everything is possible.
Maybe its possible but not totally the best way, life insurance requires central control to monitor and process whoever needs it. In hospitalization case who will process to the hospital knowing that most establishment are still in fiat system but i will not set aside the possibility in the future if there is already proper arrangement between blockchain amd individual agency.