Healthcare Insurance

O.K. Guys ( & Gals )

I'm 56, here for the long term, so I need to get Healthcare Insurance. ( If this Post is in the wrong place, would the Mods please relocate it ).

I've been offered cover from BUPA ( known to most people ) and LMG Pacific ( who I've not heard of until now ).

BUPA Platinum THB2m cover Premium of THB55k p.a. > age 60, then THB72k p.a.

LMG Pacific Maxi THB5m cover Premium of THB60.5k p.a. > age 60, then THB75k p.a.

Both offer "Guaranteed Renewability regardless of age or medical condition".

At the moment I'm leaning towards LMG Pacific, for a number of reasons 1) They include sports cover ( Skiing & SCUBA ) I'm a diver; 2) they offer a 20% discount if I opt out of Out Patient Department ( OPD )cover ( which appear to be excluded by the BUPA plan , unless I opt to pay an additional premium ) - which means that they're ( LMG ) offering more cover ( THB5m v THB2m ) for less money ( THB60.5k - 20% = THB48.4k v THB55k ).

There are 2 ( obvious ) questions :-

1) Am I missing something ?

2) What experiences have you had with these providers ?

Thanks in anticipation.................