OP has never returned with the details. Without those, the speculation here is anywhere between useless and dangerous.

OP lists his location as Singapore and it is not clear where his flight was operating or on what carrier he was flying. Yet, people suggest complaining to a "state" insurance commissioner.

All points to the fact that his next steps, if any, are dependent on local law somewhere. There really are people who do not live in and who do not fly between points in the US.