BUPA is expensive, but if you have one major incident the insurance will have paid for itself many times over.
We started out with Winterthur International long ago, and their rates became much too high - then they also notified us that the coverage would stop at age 65. BUPA does not have that 65-years cutoff, and that was/is reassuring.
Any coverage as good as BUPA or close to it, at lower rates would be a godsend, but at a certain point in time you can't switch due to whatever pre-existing conditions might apply to you.
Perhaps a possible approach is to form a company of some kind and get a group policy?
By the way we have processed claims with BUPA (AMEDEX at the time) and found the service very good.