How do I choose a suitable mediclaim policy?

I want to get a mediclaim policy for me (age 34yrs, Indian) and my wife but I do not know how to choose a particular insurance policy. What are the factors one should look for before deciding? In fact it seems that many companies offer more or less the same benefits. Should I go for public or private sector company? Are family floater plans useful for tax saving purpose as well?

Can mediclaim premium be increased following claim during policy period?

I have heard that some Indian insurance companies increase the premium amount for mediclaim the very next year following claim for reimbursements by the policy holder. Reportedly some even make it double (and it goes by the name of loading). Is that true? If it is true then how does one choose a suitable mediclaim policy from some insurance provider? The premium amount is obviously one factor one considers before choosing a suitable insurance provider for medical purpose.