Your point here is fallacious though. Noone is debating that it is a health issue, but health insurance companies are set up to process claims from human physicians of one type or another.
The types of surgeries and treatments that Transformers require though, fall under the category of advanced industrial repairs by human standards, be they performed by Perceptor, Wheeljack, Ratchet, Chip, Sparkplug, Spike, or any other mechanical or engineering whiz-kid/genius.
That's why I said industrial insurance. The standard car mechanic would be lost when working on a Transformer, ruling out car insurance. Likewise, while these are health issues; by human standards these are not health treatments thus health insurance doesn't apply.
The only insurance which exists and which covers the types of complex and highly expensive repairs required here, is industrial insurance.