I don't think it's going to be effective for the insurance company to provide you the maximum in a context where the FCO is not permitting you to travel.
I'm a professional housemaid from Dubai and currently working in a domestic workers service company known as HousekeepingCo ( www.housekeepingco.com ). Here I'm having company provided insurance which covers 80% of the bill while we are required to pay the remaining 20%. It works mostly like that for most of the residents visa holders here.
Try Battleface Insurance - it’s essentially for war zones and covers for areas where travel isn’t advised by the Foreign Office. Martin Lewis recommended it for anyone wanting to go to Spain recently so it’s probably seen a boom in sales!