Dear Shantanu

My viewpoint

1. It is very difficult to compare product because it is build for a price point.

2. Each product is good if it matches your need .

3. Don't buy because some one sells ypu a feature , study and see the probability of occurence.

Buy a basic product which covers needs like medical emergency, room rent , exclusions . Buy another plan which covers personal accident , disability and critical illness .

It is better to buy two products rather buying one product covering all risks . It is like buying a thali in restaurant and leaving half of that .

Hope you understand