In my opinion, after an extensive review of many international and local health insurance providers I find them to be generally inadequate. Taking preventative medication, like a blood pressure pill means you are not covered for a heart attack or stroke. A previous colonoscopy, although clear, means you’re not covered for intestinal cancers etc… While many receive great reviews for minor claims and for their, ‘let’s find the right policy for you’, if you review actual customers who make major claims they are aren’t that good. It seems they come down quite hard on their interpretation of what constitutes a pre-existing conditions. So when I renew my OA extension visa later this year I will find a budget health policy that adequately provides cover for inpatient and outpatient care, in case of an accident and, as one person indicated, put aside funds to self fund for pre-existing conditions.