What is the ecs bounce charge of ICICI Bank?

I was paying the premium amount of a life insurance through ECS (ICICI Bank). Due to the lack of money in my account I plan to pay through credit card. Even if I pay by credit card the transaction will be done automatically (which can’t be disabled). So I cant avoid the bounce. Is there a way around to avoid the bounce?

In India does it matter whether you get insured with a public or private insurance company?

I think still many people would consider it safer to get insured with a public insurance company(like LIC or United India Insurance Co.) rather than with a private one because rejection rate in the case of former is much lower than in the later case. I have also read one report published in a magazine which supports this. What is your opinion?
Do you know about any website where this issue is discussed in detail? I would like to read more about it.

Thanks for you suggestions.

Online Payment by credit card query?

I filled up a payment form from my credit card to thinkdigit for subscription of their magazine.
After Entered the submit button , my browser was inactive and displayed ‘Page Load Error’.
How do I know if my transaction is complete? Is there any way to find out?