Here is another idea...buy the Berkshire Hathaway travel plan...it is really good. 100% coverage for accident and emergency medical and covid. It is PRIMARY insurance. Choose your own hospital. It pays no matter what. There are other benefits too. I am 76 and pay around $80 a month and it covers me anywhere except the U.S. For your hospitalization you self insure. You are going to pay around $3000 or more for a year's insurance here. Probably more. What you would pay for insurance here in two years here....yep....you could get a new head. Check out what medical procedures cost here....you might be shocked.