I have been asked this question a zillion times. Earlier to my personal experience with a South based famous group medical life insurance provider my answer may have been different. Now I am convinced that you should take it only from NEW INDIA or one of the public sector providers.
Do not mistake me. I am a product of the Capital Markets and still think that a Congress or BJP is being held back by the Left. However, the private medical (general) insurance companies are different.
When you are young (say 30 years) you take medical insurance (inspite of having company insurance) because YOU EXPECT the company to pay when you are 62 years. However, the fact that you have a 30 year claim free track record is no guarantee that your policy will be renewed!
So peacefully go to a public sector medical insurance company, take a policy and hope that by the time you are 93 they are still renewing it!
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