Health Insurance Policy with "No loading" and "No capping"?

[Navdeep]

Hi All,

I am looking to buy a health insurance plan for myself for Sum Insured of 500,000 in floater and 300,000 in individual policy.
My age is 40 years and my wife age is 38 years. No medical issues till date.

I am looking for a policy which should have -
1. No loading for claim
2. No capping on room and other services like specialist changes
3. Lifelong renewal facility

4. No individual sub-limits

Many thanks in advance!
Navdeep

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