The point is sharing through a Christian worldview. Although they make that disclaimer, the point is that they are not OBLIGATED to pay, although they almost always do. If there is even the slightest HINT that these ministries constitute the equivalent of "insurance coverage," they will fall under the onerous yoke of massive bureaucracy, as insurance companies can attest to.
So you’d still need to be on a recognized insurance or be fined by Obeyme.