Just like others, I was confused too to buy which policy? It was my decision to go with Religare. My cashless attempt was rejected but later at reimbursement process stage it got cleared. I receive 100% of claim amount. I would suggest anytime to go with Religare. Their premium is lightly higher than market but the service is good. The annual check-up scheme is also good which saves atleast 5000/- rs for me.