You can ask the broker to show you where does it say like that. In which T&C or policy wording.
After many years being insured at various companies there is one thing I learned: there is nothing "forever".
I can give you countless of examples:
1. I was with Now Health for few years, but since DHA compliance rules were introduced, they increased the premium by 40%. This has become a very expensive option. Which is a pity as they were one of the very few insurance providers where out-patient claims up to $600 I think did not require any forms to be filled / signed by doctors.
2. I switched to Aviva who entered UAE market, disregarded (!) pre-existing conditions for new customers and had very good pricing and coverage. Aviva kept increasing the premium every year by 50%, as they simply undervalued their offer. At some point it has became unsustainable both for them and customers, so they sold UAE business to Aetna. Aviva was great because they had no "customary & reasonable" wording in place, you could send them a bill without claim form signed by doctor (not all countries are familiar with filling claims) and they would pay it. Aetna was not that great anymore.
3. Globality exit UK due to to brexit and policies will be taken over by Bupa. Bupa will obviously offer them much higher premiums than Globality.
4. You can develop a serious medical condition with insurance provider that won't allow you to continue the coverage in your home country or the insurance law rules can change midway: e.g. today they can but in 5 years they won't be able because something has changed in your home country laws.
There is no "forever" in this business, so I learned it is not worth paying for the most expensive / top insurance providers, neither it is worth paying for the cheapest ones. You just have to use commons sense and pick what you feel will give you best value for your money and health.
