Faulty Apple Watch not willing to replace

I find completely ridiculous that Apple does not fix watches due to software malfunction and only have a one year warranty on such products. Three weeks outside of warranty and the heart rate monitor stops working. I cannot claim from insurance as no one from the iStore is willing to assist the insurance company with the claim by explaining what could have caused this - FYI not a fault from the client but an Apple malfunction. This is really in bad taste that Apple or provides a one year warranty, does not fix watches and are willing to assist with claims. We cannot continue to replace faulty Apple products at our own expense due to Apple ***** ups. Not acceptable!!