Insurance 201 will point out that you may be better off paying for regular, scheduled services, when you see it reduces your risk for irregular, high cost variances. To use your example, if auto insurers proved that once yearly "tire check" reduces catastrophic payouts by enough, you bet they would offer to cover them (or reduced rate if you do it, which amounts to the same thing).

"Health insurance" doesn't really work like most insurance anyway, because people. It is of course sensible to construct a system to understand true costs, but sometimes you're just going to pay them, even if the math doesn't work (although honestly, it probably works fine if your model is good enough. An insurance company won't think about the externalities that a federal government has to, for example)