Let me give you the features of Royal Sundaram Lifeline policy, that is considered as a very good option.

1. Like any other Health Insurance policy it covers inpatient treatment in Hospital.

2. Day care procedures are covered

3. Pre and Post Hospitalization treatment

4. Ambulance Cover - upto Rs. 5000/-

5. Organ Donor Cover

6. Domiciliary Hospitalization upto Sum Insured

7. Vaccination in the event of Animal bite - upto Rs. 5,000

8. Annual Health Check up

9. Second opinion for specified critical illnesses

10. Sum Insured Reload (for different line of illness or different member)

11. No Claim Bonus - 20% per year subject to a max. of 100% of sum insured

Royal Sundaram has one of the most competitive premiums.