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Recommended Medical Insurance?

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I am looking at getting medical Insurance but would like to know from people who have an existing policy, which is the best one to get. Need to be covered, they pay for the treatment not claiming it back after, accepted by most Hospitals in the region etc ?

I am looking at needing it for travel as well, around SE Asia. I tried BUPA but when you are out of Thailand they say you have to pay your own bills and then claim back on your return to Thailand. That does not cut it for me!

Am I better getting 2 policys, one medical and another for travel, if so any recommends?

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