Microburst2002 is right though
Use of database doesn't even have to be mandatory. Just get FAA and/or JAA to participate and insurers will do the rest.
So Mr Dubious Chinese Airline, you want insurance? Give us your roster and we will run it by ICAO database or premiums go up 50%...
Once enough insurers do it, airlines will want only pilots in the database, so every legit pilot will want to be in. If not the insurance, then the lender, or the leasing company. You get the idea. If the database cometh, plenty will want it used.
Already done at the national level in many countries for many industries. My better half can't hire a van driver without letting the insurance have a peek at his record.