BlueEagle,
Thank you very much for your sound advice. I will look that way.
In fact the broker I was refering to used to cater for the Spanish pilot association and still retains a number of pilots who purchase a private insurance in what I believe is a colective policy. It's apparently the number of busted medicals what has made the underwriter sky rocket its premiums.
But the bottom line is that I still find the insured capitals ridiculously low compared to the salaries you'd draw in your remaining professional life. Thus, a loss of licence would be to many of us a catastrophic event, both financially and psicologically.
That's why I would like to gather info on the conditions in different countries/lines. May be this question should be addressed on a wider scale.
Rgrds.