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.

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