Best Health Insurance / Mediclaim provider company/scheme?

I am searching online for Best Health Insurance / Mediclaim provider company/scheme and I found the followings

* ICICI Lombard which has highest premium
* Bajaj Allianz schemes
* New India Assurance (Previously I have)

Reliance General Insurance: I found lowest premium and family floater plan “HealthWise” and thinking for purchase this scheme. what do you think about it. more information at http://portal.reliancegeneral.co.in/

Need Health Insurance for Family (India)?

Hello Guys,

I am 23 years old & I have parents of age as following

Mom – 43 yrs
Dad – 60 yrs

I need health insurance for our family & I am not married yet.

My purpose for health insurance is to cover hospital expenses for my parents mostly with coverage of 2 lacs rupees.

I have no idea what I should opt in for.

I also want to know whatever premium I pay, is that wasted in case we haven not utilized it or we will get some of it back.

What will be more beneficial Life insurance or Health insurance