Hi there,
I picked a policy with bupa that has no excess or hidden surprises when you have a claim covered!!! Yep that's right honey!
lol i do want to add i pay £220 per month for my bupa medical insurance policy but i pick the one that covers all of the UK and Europe so....
I did mention (in my medical insurance message for everyone to see) that i took out a medical insurance policy that covers the whole of THE UK AND THE WHOLE OF EUROPE!!! So yes they will 100% cover a claim for surgery if its in the UK or any country in Europe. I hope that makes things clearer for you lol.
No i have not made my claim yet as i have had the flu all over xmas so will be making it this week hopefully.
When i had my sliding genioplasty 10 years ago in London i did exactly what i'm doing now with my current insurer except it was just covering the UK. You can easily look online or anonymously call an insurance company and they will gladly answer that question accurately.
Hope that helped to answer your Qs.
x