Permanently residing outside my home country, I try to choose a policy based on my residency status, so the information at https://www.globelink.eu/expat-travel-insurance.html may be useful for expats legally residing in the EU or EEA. When applying, it is important to indicate your current country of residence and correct personal information. It's also worth checking whether each planned destination is covered by the insurance. Do you check the insurance coverage for your country of permanent residence?