Looking to buy a family floater- Should I take Apollo, Bajaj or ICICI?

I am looking to buy a family floater. Our organisation has medical cover from ICICI Lombard. I & my wife don't have any illness till date. My Monthly CTC is 8.5 Lcas/PA. I have searched and finalise two policies please guide -
1. Bajaj Allianz Health Guard - Family Floater
2. Apollo Muncih Exlusive
3. My organisation giving ICICI Lombard


We analysed and found out that Apollo has better Claim settlement ratio than Bajaj.
Should I take Apollo, Bajaj or ICICI, as I don't want to depend on my organisations mediclaim alone?

I also want to buy Critical Illness cover as addon.

I would suggest you to go with Apollo Munich. Check out the latest plan - Optima Restore

Thanks Mintz!

Hi Manish

I just wanted to confirm, Have you bought Optima Restore Plan? If no, then Please go through this plan once again because company designed this plan very cleverly. Please let me know, if you have bought this one..