You should email all specific queries to your joining co-ordinator, if they don't know the answer they will pass it on to the medical benefits scheme staff.
The EPC was organising some form of top up medical insurance recently, it might be worth emailing them for details.
In terms of LOL check out
Loss of Income Protection for Emirates Pilots I hope I never have to avail it, but I am a member, and it provides me peace of mind.
Good luck with the joining
