True on data driven, but I tend to disagree on the costs of hospitalization as I for my self produced in 24 hours 20000 plus Aed for something like nothing plus the decision making until I got there(finally) and if done better not even nessesary the extra costs on a pilot with surgery are astronomical.
not to say it was somehow understandable that ek made medical benefits harder and harder to receive, because of hospitals where simply milking the cow ( without defending EK, but understandable, as med costs are a pay on event and not insurance based)
At the end sick pilots provided extra costs which for sure had a monster influence on a cost based HR matrix software