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It may also depend on what country you are from. Americans usually require more comprehensive plans because the cost of medical care in the US is soooo expensive.
Many Europeans are fortunate because the costs aren’t entirely up to the individual (or the individual’s insurance).
This is mainly for major medical problems – for example, something goes wrong and you need to be brought back to your home country for treatment.
Also comes into play when you are traveling within your home country.
There is a man named Tony who you can contact through the American Chamber of Commerce (he doesn’t work for them) who offers several different expat medical programs designed for different needs and different home countries.
He has been around for a while and knows his stuff. As for local insurance policies, I can’t help you there.