if you can better change to non O VISA, it does not require buying costly but not quite useful health insurance as all pre existing health problem not covered
i am curious immi dept accepts deductible insurance as the reason given by the authority on compulsory insurance was that expats incurred and not settled large amount of medical bills (i don't know how possible) so how to ensure people pay up if large amount of deductible allowed?
and my insurance company is in immi list of insurers, it is cheaper than AXA CIGNA and almost all others in the list, some/most do not accept applicants aged over 65 or with pre existing undesirable health conditions