True, the hospital could be doing the bare minimum to keep him alive. But I get what the person you’re relying to is saying. Surely if you’re a capitalist ghoul who runs both a health insurance company and a hospital, you would want as little overlap between customers as possible in order to maximize profits, right? The people paying you insurance premiums would ideally never get sick and require the insurance to pay out, and the hospital would ideally be full of people with other insurance plans.
I think the insurance company part was invented by this comic but I didn’t know a ton about Batman. I did see online that Wayne Medical is a subsidiary of Wayne Enterprises and operates many of the hospitals in Gotham.