[snowpid]

" Insurance companies in Germany are also not benevolent. " You know, that the leaders of public insuarances are voted by the customers.

[wirrbel]

Not all public insurances perform these elections but some, e.g. Barmer GEK, Techniker Krankenkasse, DAK-Gesundheit, Kaufmännische Krankenkasse – KKH, Handelskrankenkasse und BKK RWE and I think also AOK.

[angra_mainyu]

One might argue that the free market is consumer-driven voting.