[Nasrudith]

The innocent explanation is if they see it as reducing the risk in their pool - the equivalent of it is cheaper to give away flu vaccines than say 25% reduction in flu hospitalizations it is a win-win. Assuming it is always the case is naive however.

However the tracking is suspicious. Insurance companies have a bad habit of trying to never pay what they promise out of greed - despite doing so sawing at the branch they sit upon.

As a rule of thumb if the insurance company learns nothing from what it gives away it is probably trustworthy.