I have been looking for health insurance here also, I was concerned about traffic accident cover. I went to three different places that all told me that I wouldnt be covered for traffic accidents with health insurance, and that traffic accidents are covered by the 'other' chap's car insurance.
However, I went to see another lady who sells 'Humano' and she said that of course I would be covered for traffic accidents as it would be an emergency, and that the clinic have to treat you. She even telephoned CMC clinic here in sosua to ask them, and they confirmed that I would be covered with the 'Humano Royal' plan, which comes in at 15,000 pesos a year. (For me)