I have a lot of experience with this issue (20 plus years) and I would recommend you purchase the BUPA policy from their subsidiary in Denmark - IHI. You will benefit two ways. First the people in Denmark will respond more quickly to your needs (don't worry everyone speaks English) and second and maybe more importantly the IHI - BUPA policy is governed by the laws of Denmark which are very consumer/insured friendly. Just my two penny worth.