Apollo Munich

 Optima Restore

• Family floater is better due to the Restore Benefit option
• Can avail a separate Critical Illness policy 
• The Multiplier Benefit is good and not provided by other plans
• Better than the Easy Health 

Insurance Repository

http://articles.economictimes.indiatimes.com/2013-09-23/news/42324397_1_e-insurance-karvy-insurance-repository-central-insurance-repository

Nagrik Suraksha Insurance

http://www.jagoinvestor.com/2010/09/two-awesome-and-hidden-health-insurance-products.html

Nagrik Suraksha Insurance

This is a master piece product from Oriental Insurance Company. Nagrik Suraksha is also a combination of personal accident coverage and medical insurance. This policy not only provides personal accident insurance, but also hospitalisation expenses on account of accident which other insurance companies fail to provide. In this policy, 80% of your coverage amount is for personal accident, and the remaining 20% is for hospitalisation on account of accident.

Example

Suppose you take insurance coverage amounting to Rs 1 lakh. Out of Rs 1 lakh, Rs 80, 000 is for personal accident and the remaining Rs 20,000 is for hospitalisation on account of accident. The premium to be paid for coverage amount of Rs 1 lakh is only Rs 90 for the entire year. If you buy insurance coverage amounting to Rs 4 lakh, you can get personal accident coverage worth Rs 3.2 lakh and hospitalisation expenses worth Rs 80,000 by just paying Rs 360 for the entire year.