I agree, although I'm lucky enough to live in a country where healthcare is universal and not at the whim of an insurance company. I presume this is the situation for you too?
I actually think the reverse could be true. If you own a watch, a scale etc you are obviously thinking about your health and prioritizing it. It makes little sense to punish people who prioritize their health and monitor it to evade bad stuff.
If I notice a bad trend I would do something about it, if it was my heart rate I would probably call a doctor and usually with health the earlier you identify an issue the more likely it will be easier to do something about it.
If you go with a bad heart for years it will probably be harder to get healthy after that and will probably be more expensive as you might require a surgery which perhaps could be avoided.