Recently retired but our global medical coverage was provided by Blue Cross as part of our overall wage and benefits. This was a cost shared benefit between employer/employee. My share equated to less than the cost of a small coffee and donut a day. There was no exclusion regarding active flight crew. FWIW, my retirement package continues that global coverage with the same provider.
We did have an exclusion from our life insurance underwriter for flight crew members actively engaged in that role at the time of incident/accident but that was covered off by an additional rider to the aircraft hull insurance that automatically paid out crew seats, not just those claims associated with passenger seats. That additional coverage did require a sit down between the bean counters and flight ops but was a no brainer and a short conversation as I recall.