Yep arrive late morning 9am or after and then go back later in afternoon the next day. Why do you have to be one of the first few at sparrows fart. Just means you pick up the visa closer to 2pm instead of 1pm the next day. I have never understood why people like to go immigration early and catch the crowd when an hour or 2 later the crowd has already gone back to their hotels. I suppose most people want to go on a day trip or tour or something for the day..?
I have BUPA UK. Not cheap but excellent. Depends on the procedures, previous hospital screening and whether the insurance company can prove they were pre existing. If there is no evidence they were pre existing then no need to mention them in the application.