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@trends Oriental Insurance (Insurance by Company). And I also liked one of the other comments. Sometimes, different family members need multiple medical attention around the same time (like in my case). So, medical corporate insurance can refresh to start amount each year, but FDs won't.

@trends Based on my experience with insurance: If you are earning well and employed with a large company, corporate insurance can be very good. Over the last two years, I have claimed insurance for a total of 5 times with three cashless and two on reimbursement bases. All happened smoothly...