One thing you might want to check if you've got any of these commercial policies is the small print about deploying on Ops. Most of them will specify that you're not covered unless you inform them before you go and where you're going. In my own cynical view, this will then be a precursor to loading your premium for the period that you're away! If you 'forget' to inform them and the worst should happen, your nearest and dearest may have a few snags getting the piso bunch to pay out.
Personally, I went with the PAX+ scheme. It pays out a reasonable lump sum, irrespective of where I am at the time, I can cover the family and the lump sum doesn't decrease in line with the remaining balance on my mortgage, which my old commercial policy was doing. They've also introduced a Critical Illness cover, albeit not covering quite as many illnesses as some commercial schemes. (And no - I'm not advertising them, I'm just happy with my cover)
