Please can I receive any insights & opinions including people in countries which do not have medical insurance (which it doesn't concern).

I need your insight & opinion if you were in this situation or if you work in the insurance field.

Do I in fact pose insurable risks at all any different from the average?

Saga offer contents, liability, travel and accident insurance for over 50s (which I am)
MDF ,, ,, ,, ,, ,, ,, ,, ,, ,, people with bipolar (which I have)
EA ,, ,, ,, ,, ,, ,, ,, ,, ,, people with epilepsy (which I have, rather loosely defined)

Is it all right to take out policies with all companies as long as I don't claim on more than one for any specific issue?

If I can't afford all three sets of premiums which policies should I choose?