hi
my dads girlfriends mum went with AXA insurance when she recently went to china, think she pays for a yearly insurance as she goes away a lot
this insurance came in very handy whilst in china as she took ill and ended up in hospital for a month with blood clots in her leg and heart. it was costing �2000 a day to keep her in the hospital, the only reason the hospital took her in was because she had insurance. if she didn't she probably would've died. It also covered my dads girlfriend to fly out there.
However, the one problem they did have was that their offices were in australia so it was awkward with the time difference for calling.