new Medical Policy

[manishag]

Hi friends,
I want to go for the familiy floater for me (26 year) and my wife (25 years). I am prefering the PSU for the policy because I have heard that they are slow but they accept the claims. When I talked to agent, he suggested me the apollo DKV Easy Health Family Premium. The way he explains apollo seems good option to me. but I don't want to go with the agent words (policywizard) I want to take the views of policy gurus from policy wala. here are my requrinments:

Policy Type: family floater
max Coverage Age: there should not be any upper limit for the policy cease age
Coverage Amount: 4Lakh
Critical Illness Coverage: Yes
Maternity Coverage: good if it's covered after any waiting time but not necessary
Many Inclusions: Policy should continue for the remaning family even if I die. and there should not be any sub limits on the deceases claim like 75% of the sum insured for X deceases.

Network Hospitals: It should have good coverage of Hospitals good in the sense which provide service like in apollo Hospital in Delhi where Drs are too good but staff and services are horrible or Balaji action in Delhi has horrible service as well as Doctors sometimes Dr forgets to attend the patient for 3-4 days

expert comments are invited
thanks in advance

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