Great article. Sir I am looking forward to taking a family floater health insurance policy and critical health insurance for my family of sum insured 3 to 5 lakhs rupees. My age is 42 wife is 31 years and doughtier is 7 years. I have cholesterol under control, no medicine. My priority is no copay, maximum daycare procedures.
It is hard to specify any single company or product (considering health issues also). However, I suggest you check with public sector companies and also standalone health insurance companies. Refer my blog post while short listing the product “IRDA Incurred Claim Ratio 2015-16 | Best Health Insurance Company in 2017“.