Sanelogic, are Saga, MDF, and EA the names of insurance companies you are considering purchasing insurance from? I don't know your system, but it seems like purchasing a general health insurance policy that covers all medical conditions would give you the best bang for your money, instead of purchasing multiple policies for different medical conditions, e.g. one policy for epilepsy, another for bipolar, etc.

I am not sure what contents insurance is. Is that insuring your property? I have auto and home insurance from the same insurance company. I also have a third type of insurance from that company called "umbrella insurance." It insures everything that is not covered by the auto and home, so if people try to sue me for a strange thing, I am covered. It also provides additional coverage on auto and home beyond the standard limits of those policies. It is basically protecting my assets and filling in any coverage gaps. Perhaps there is something similar in the UK that would appeal to you.

If it turns out you don't declare a condition that you have, and the insurance company finds out later, it could invalidate your policy or make you liable for incurred costs. So, be very careful to represent your conditions accurately.