Dear Sir,
I am thankful to all of you for providing free financial solution to all of us.
dear sir, i am having query regarding health insurance. my friend suggested me Orient Happy Family Floater. Please help me in choosing this policy.

Details of my Family:
My Self : 28 Years
Wife:26 Years
Child: 2 Years
Father:57 Years
Mother:55 Years
No medical history till date.
Having employee mediclaim policy provided by employer for SA 300000 for entire family.

My Query are as below,
1. How is claim settlement ration of orient?
2. What is ideal SA? (considering medical history)
3. Should i choose take two policy like my self with parents and my self with wife and child?
4.Any other good insurance company ?
5. Any hidden condition of this scheme?
6.Is this good scheme?

Sorry for this much quiz but please forgive me sir and solve my query.