We always got private travel health insurance, especially for skiing etc hols.
That said it hasn't been much of problem this year as I got virtually no leave
As to Medical Benefits, whomever came up with the title must have a dark sense of humour.
In our time in EK I have been notified of charges and salary deduction accruing from a visit to one particular hospital in DXB. Sounds fair? Well it would have been ok had any of my family actually been to said hospital!
The mission statement Drop Kick alluded to is spot on.