Reading is fundamental. As I stated, a serious injury will be covered - if its not serious, that's another story.
If you read the articles you linked, the first one clearly states (1) the player is not in jeopardy of losing his scholarship
and (2) it is not as bad of an injury as being depicted The article is just an insane 'uproar' because it was possible that he could loose his scholarship. How outrageous that players that can play, have to play in order to have school paid for! Next thing you know, they'll want students on academic scholarships to maintain good grades!
In the second article, you fail to understand how insurance disputes and scholarship status don't mix. The NCAA has a catastrophic coverage policy for the really bad injuries. Outside of that, coverage comes via existing policies and coordination with school coverage. As in every coordination of benefits situation, one insurance will be denoted as the primary and the other as secondary and disputes often arise in who pays what, particularly if there is suspicion that the injury may have not occurred while playing sports for the university.
In that article,
Hardrick was covered under his parent's policy per their admission and was diagnosed with a quad injury for the second injury. Later, an MRI showed he had a torn ligament... was it from the same injury, or something else? The MRI was taken and billed to his insurance that the parents stated they had him covered with... but now don't want to pay? Thus the dispute.
Joseph Agnew didn't have serious injuries - he had nagging injuries. His lawsuit wasn't so much about getting his injuries covered but not realizing that if he decided he couldn't / didn't want to perform, he could lose his scholarship. He got what he wanted in that schools can now offer multiyear scholarships.
Seriously, next time put some effort into it instead of just a quick google search.