BOEING, your post on medical claims, echoing vapilot and old oberon, puts it succinctly. Medical claims being handled by an outside company...with profit motive. Private insurance for losing your license EXCLUDES mental problems! So no pilot is going to admit having mental problems because it will invalidate his cover.
The insurance companies share the blame. They will not be willing to cover pilots with these problems, until they are REQUIRED to do so by government regulation.
And passengers who want to fly with trustworthy pilots may avoid airlines that do not operate in properly regulated environments. Medical examiners MUST be required to share serious doubt on the fitness of airline pilots. And pilots who are straightforward and truthful about their health must not be punished by insurance companies.