It going to be great fun as Apple and Google add more and more medical features and then when they ban your account you lose them all. Maybe this will be more of the door to break their control on mobile computing.
I agree – there is precedent in the medical industry: in the US, providers that take Medicare and Medicaid require retention of patient records for at least 5 years for both portability and audit purposes. If that principle's sound (at least for portability), it may be a good argument to extend that to healthcare applications that reach a certain threshold of substantial content.
I understand the argument that it's quite annoying that so much of the hardware you own relies on Apple permitting you to keep using it, but on the other hand what are you even doing to make them ban you? Their terms and conditions make it fairly clear that the only thing that would cause this is if you upload illegal content to their platform or attempt to chargeback purchases.