In terms of coverage,Oriental Insurance gives you the highest cover because if you get treated (via alternate system)in a government hospital or a medical college you can claim even for the entire sum assured. Otherwise it is up to 10 percent of the sum assured says Mahavir Chopra of medimanage.com

“Unlike other restore health policies that do not load your premium based on individual claims, this policy has a claim-based loading. So this is a big negative,” says Mahavir Chopra, head, e-business and personal lines, Medimanage.com, a health insurance consultancy.

"These covers look to tap the Indian joint family system where the decision making is centralised with the head of the family taking a call on behalf of all family members" says Mahavir Chopra, head e-business with insurance portal medimanage.com

“Loading can have a direct impact on your long term planning for premiums since certain products have punitive claim loading rates of upto 200%, it is an important condition customers should be aware of while buying the product" says Mahavir Chopra, head e-business, medimanage.com, a health insurance advisory firm.

“Individual cover is suited when you are not in immediate need of it as most insure pre-existing diseases after two-four years but will stay with you for life. This is unlike a group cover, which is best if needed immediately, but depends on your exit from the company. At the same time, the more you delay buying an individual cover, the more you are likely to pay"says Mahavir Chopra of medimanage.com.