Gents,

I am a 27 year old person looking for a medical policy for me & wife [25 yrs]. No Child.
I have been researching various forums and news paper [ET Welth] from last 2 month to select a family floater policy best fitted for me. I am looking for a cover of 4 Lac.
During this process, I have selected 2 policies finally - Apollo Munich Exclusive Heath Plan or Aegon Religare Comprehensive health plan.

Following are the benefits/features from both the policies. Can somebody please advise or provide any pointer which helps to me decide one policy over other? It can be anything like which company has more successful claim ratio, cashless facility, reliability, ease to deal with, premium increase rate, any other feature which you liked?

Apollo Munich Exclusive Heath Care:

http://www.apollomunichinsurance.com...insurance.aspx

Comprehensive coverage for hospitalization
Coverage offered for Pre & Post-Hospitalization
Coverage for specific 140 day-care procedures
10% cumulative bonus for every claim-free year accumulating upto 50%
Daily cash for accompanying an insured child (For Sum Insured 3.00, 4.00, 5.00 lacs: Rs.300 per day, maximum Rs.9,000; For Sum Insured 7.50 lacs: Rs. 500 per day maximum Rs.15,000).
Daily cash for choosing shared accommodation (For Sum Insured 3.00, 4.00, 5.00 lacs: Rs.500 per day, maximum Rs. 3,000; For Sum Insured 7.50 lacs: Rs. 800 per day maximum Rs. 4,800)
Expenses covered for Organ donor.
Emergency Ambulance - Upto Rs. 2000
Daily cash allowance for accompanying an insured child.
Additional coverage for Critical Illness
Coverage for Maternity expenses [with Waiting Period of 4 Years]
Coverage for new born baby

Premium for 4 Lac with 2 Lac Critical illness rider in this policy is Rs. 7,789

Aegon Religare Comprehensive health plan

http://www.aegonreligare.com/Health_Plan.pdf

AEGON Religare Health Plan provides comprehensive
coverage guaranteed; covering all kinds of surgeries
including 240 day care treatments and 10 critical illnesses.

You get a guaranteed fixed amount of money, irrespective
of the actual hospital bill.

You get a guaranteed amount in addition to the payment
you would have received from other medical plans.

You are guaranteed a health cover up to 85 years of age,
one of the highest in the country.

You can avail of the Cashless facility (no need to pay any
money for the treatment) in more than 3,000 key hospitals

across the country.

You benefit from a guaranteed fixed premium rate for 3
years. This means even if you have a claim in year 1 or 2, the
premium will not increase.

Your benefit amount increases by 10% for every no claim
year (the maximum increase will be capped at 50%).

You can upgrade to higher level of coverage and
include additional family members (wife & children) at
any point of time during the policy duration.
24 hours hospitalisation is not required for most of
the surgeries.

If you are under the age of 50 and in good health, no medicals
are required for sum assured upto Rs.3,00,000.

I liked the Aegon Religare plan, but I am bit skeptical about Religare's reputation and their promises.

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