I am looking for a good health insurance policy.

I am mariied. I am 27 year and my wife 25 year. No kid.

I have compared few of the polices of the private company ( Apollo Munic, max bupa etc.), still i am confused to select the best one for me.

I have few questions which i need your assiatance.

1. Is co-pay share still there in the policies?. Please advise me best policies which do not have co-pay share?
2. expense sub-limit – I have seen in few of the polices still there is capping on the some expenses e.g room rent, abulance charge etc. Please advise the best policies which do not have these cappings.
3. Claim ratio – Is it possible to provide me the claim ratio list of the all medeclaim company for the last 2 years? so that i can compare which one to choose.
4. Apart from the private insurace company, please name the best 3 PSU/govt insurance company which i can look for?

Please note i am looking for 3L cover with the premium ranger between ( 5000- 8500 ) per annum.

Please assist me to find the best policy under my limitations.

Thanks

Nitin