The subject of safe it is not simple, nor is there an answer – that is why there are several topics on different aspects of it.
At the end of the day, you need to know exactly what coverage you need for your specific circumstances, and then find the policy (or policies) that meets your needs.
For example, there was a recent topic in these Emirates Forums covering the cost of a positive COVID test (when testing was required to start DXB) Emirates uses a specific Allianza policy that others Airlines they also use it, and it’s more geared towards COVID coverage than things like curbs, accidents, abandonment, etc.
If you search the Dubai Forum using keywords like “safe“, and filter by date, you’ll see topics that discuss (in detail) the relative merits of EKs safe, Battleface and a little more context that can help you.
Edited: today, 07:01