Finalized two health insurances need suggestions

Father age 43
Mother age 40
My age 17
Brother’s age 14

Plans selected:-
1)Max Bupa Health Companion with health recharge (smart saver) policy bazaar exclusive
Plan details:-
3L+7.5L(health recharge) 3 Lakh (health recharge)
Premium-17000
2)Religare 5+5 plan :-
Premium 17600
Cover 5 Lakh + 5 Lakh (health recharge)
WHATS THE CONFUSION
One plan selected based on policy bazar agent other based on cover fox
I asked the agent of cover fox if i face an accident tomorrow facing an amount of 10 Lakhs in ur networking hospital how much claim will be granted 10 Lakhs or 5 Lakhs
He said 5 Lakhs and after that the next 5 lakhs health recharge will get activated
Where as policy bazar says u will get 10 Lakh rs claim and 3 Lakhrs health recharge activated
But on the title its mentioned 7.5 L is also health recharge
Premium is not much different
If anyone has good knowledge of such insurances or experiences please help me in choosing one
Both says they will provide a guarantee claim certificate
Both says claim settlement percentage is 100%
Both says this is the best plan (i know they just want to sell their plans)
Both talk negative about each other obviously as they are competitors
Both says they have both the plans to sell but they want to sell the best plan to me, i really doubt
Now please help me finalize one if u have experience of any one
Or check these details of policies and plz suggest one
Your suggestions will be much helpful
http://delivery.policybazaar.com/DJQLBPN?id=134...

http://delivery.policybazaar.com/DJQLBPN?id=134...