Take advantage before the Brexit of the CEAM european health card system. Here is a list of countries and their territories (sorry in French)
Allemagne, Autriche, Belgique, Bulgarie, Chypre, Croatie, Danemark, Espagne (y compris les îles Baléares et Canaries), Estonie, France (métropole, Guadeloupe, Martinique, Guyane française, la Réunion), Finlande, Grèce, Hongrie, Irlande, Islande, Italie, Lettonie, Liechtenstein, Lituanie, Luxembourg, Malte, Norvège, Pays-Bas, Pologne, Portugal (y compris les archipels de Madère et des Açores), République tchèque, Roumanie, Royaume-Uni (Angleterre, Écosse, Pays de Galles, Irlande du Nord, Gibraltar), Slovaquie, Slovénie, Suède
France gives you the exotic destinations and you won't have to pay a euro in case of need, as long as you have the european card (it is free of charge) with you. Avoid Guyane, very brown and muddy waters because of the tropical forest, Guadeloupe didn't drive me crazy , never been to Martinique, but the Indian Ocean island of the Reunion might tick all the boxes. Not too far, safe, no health access worries and tropical waters.