best medical insurance?

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Hello,

With say, car insurance comprehensive means comprehensce, third pary means third party, etc. but with medical insurance, aren't some insurers more thorough than others? IE some companies insure some illnessess and conditions that others do not. What companies do you recommend as covering most eventualities?

Also, I have not had this type of insurance before. I am a bit confused about "critical illness insurance". Does private medical insurance cover critical illness? I imagine that critical illness is part of it, so that you can choose either critical illness only or have it as part of a more thorough private medical plan? That's my guess, or do you have to have both?

Thanks.
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