Best plan as per your requirements & your previous medical. Common best plan ICICI LOMBARD Max Protect & HDFC ERGO Optima Secure both are best for higher sum Assured. About claim proposer should mention every information specially previous medical history clearly if have not mentioned in policy...
Choose company providing cashless coverage (premium maybe higher) but it's best like ICICI LOMBARD, TATA AIG
buy through professional insurance advisor (also can contact me I am also providing services in this sector as professional advisor) who can provide you proper guidance & service.
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You should choose RTI rider, along with zero depreciation rider, consumables, key protection & engine protection cover. It may increase cost of premium but beneficial in future claims. Better to choose any private company like ICICI LOMBARD, TATA AIG etc. if any further information you can...