I guess that now that someone starts to wonder how that doctor works, we will soon find a "new doctor / medical care approach" thread somewhere in the suggestions forum.
I´m not sold on the insurance thing. To be honest, I´d rather see a "if a player is listed as injured when the financial update happens, only 2/3rd of his wages are accounted" rule without any insurance fee.
Zwei Dinge sind unendlich, die Dummheit und das All...