DocWagon contracts are REALLY expensive, especially the Plat/SuperPlat "We'll send in HRT teams to pull your ass out" plans. And the health care they provide isn't nearly that expensive.
Plus, consider that, like all insurance companies, they make up for the plans they do pay out on by the thousands of plans they don't. For every Shadowrunner they pull out of the fire, there's a few dozen corporate VPs who paid their premiums and never even had a cold. But the Shadowrunners are the ones that they can show off, to show how awesome they are when yu do need their services.
Shadowrunners are good PR for DocWagon.
Bull