Travel Insurance -EV?

[Fortitude]

These guys gotta be making their money from somewhere. I mean they can't afford to pay for all the dead / dying people at the expense of the living / healthy people unless there is more money being paid than money being spent. I don't want to be another one of these guys fish, I don't think I should get their insurance. I can see how it would be worth it if you were into extreme sports or something but I'm going to be a pretty inactive tourist for a few months, I think I'm just one of the donators in this scheme. Of course, I may suckout and get hit by a car or something but I don't really want to buy insurance and 'gamble' on that happening. Thoughts?