As a DN, worthwhile to pay for employer insurance?

I live abroad and work for a US company that offers health insurance.

To be honest, I'm not sure if it's worth how much I would pay for it. I had insurance with my old company, and that insurance would reject roughly half of the claims I submitted. So I generally pay out of pocket for routine visits/treatments. Though, I understand it's mostly for an emergency or high-cost illness/accident.

Is it worth it to pay for a global/DN insurance instead?