Actually the odds are stacked the best with RA HO at 70 or 75% Ed.  That is where you get the most dollars worth of coverage for the dollar spent.  The insurance company return is pretty much constant but the government pays the highest percentage at that level.  

The odds of ever seeing a claim on CAT are real close to zero.   The odds of getting rich are zero, and you are correct that the insurance company has a profit motive and do not give away money, however the government pays about half of the premium so that makes the potential for return to the policy holder about even.