Along with free "housing" and loss of licence pay out that no one ever gets paid, the medical coverage is a brochure item currently deemed necessary to attract new staff. It may've cost a bit to set up but that doesn't they have to incur ongoing expenses by paying people out. As long as the new suckers think they're covered and how wonderful this opportunity is, the system is serving its purpose.
The "chauffeur driven limo" scam is another example. Realit - a couple of meydan inmates on the way home:
