These limitations are often acceptable but I think as long as it works how it does, denying someone a person looking at them in favor of a statistical stereotype should be the last thing we do.
I can see if this was in a third world country and the alternative was nothing, but in the developed world the alternative is less profit or fewer administrators. We should strongly reject outsourcing the actual medical care part of healthcare to AI as an efficiency measure.
Let me put it differently. Suppose I don't tell you it's ML. It's a machine that you don't know how it works, but I let you do all the tests you want, and turns out they're great. Would you then still be against it?