Buy delay insurance and make a profit of 3 million, which is characterized as fraudulent insurance! Is the insurance company unable to pay or is it really illegal?

I think the client can completely control the development of things and then get benefits from it. I am thinking that there is nothing wrong with the parties buying air tickets, whether they use their own names or friends' names. All through legal channels and real names. Then the premise of obtaining the insurance amount is the delay of the plane. Then, do airlines and flight pilots obey the arrangement of the parties and deliberately delay the profits of the parties? If this premise cannot be established, it cannot be regarded as insurance fraud. The rules of the insurance company are not perfect, whether the parties violate the rules or not, and why it is considered as fraud. Isn't it true that only insurance companies are profitable? It is absolutely right for you to buy delay insurance and others to buy delay insurance. If something goes wrong, you should find the problem from yourself and correct it. If the insurance company has more rights, you should ask the plane not to be delayed.