I don't think travel insurance is intended to cover medical tourism. As far as your visa situation is concerned, you need to follow the guidelines listed at
http://www.ukvisas.gov.uk/en/howtoapply/infs/inf2visitors#9248630.
Special visitors: Visitors for private medical treatment
Immigration Rules Paragraphs 51 - 56
You can apply for a visit visa to travel to the UK for private medical treatment. You must be able to show that you:
* have made suitable arrangements for the necessary private consultation or treatment;
* have enough money to pay for the treatment;
* have enough money to support yourself and live without working or getting any help from public funds while you are in the UK, and
* intend to leave the UK at the end of your treatment.
We may also ask you to provide the following:
* A doctor’s letter giving details of your medical condition and the treatment you need.
* Confirmation that you have made suitable arrangements for the private consultation or treatment and how long the treatment will last.
* Evidence that you can afford to pay for the consultation and treatment.
We may also ask you to give an undertaking (in other words, a formal agreement) that you will pay for the consultation and treatment.
Can I stay more than six months for medical treatment?
If you need to stay longer than six months to complete your medical treatment you can apply to the UK Border Agency. They will charge a non-refundable fee for any extension application.
You are not allowed to enter or stay in the UK to receive treatment on the National Health Service (NHS). You must make sure that you have enough medical insurance for the whole of your stay.