For all the points that you desire, you would have to be prepared to pay a good premium. To suggest a specific policy we would need a lot more personal details, hence I suggest that you can all the private and personal detials in the comparison sites and check once, instead of revealing illness, income and other private data on this site.
The best medical insurance plan deals as far as premiums are concerned are the ones that you take much early in the age around the 30-35 years before the onset of any illness.
Around this age, presence of common diseases like BP, Diabetes, coronary artery disease, Hypercholesterolemia all are more likely, If there is a family history of cardiac illness etc all this will increase the premium that you have to pay because more are the chances of a payout or a claim to be honored by the insurance company.
Many people go for a family floater policy which is good for a couple with two growning children. This may not be a good option now.
Whatever company you choose, there are few things to remember
1.Get the medical history in order
2.Don't hide any illness or claims made by family members (parents, brothers)
3.Declare the diseases that have been diagnosed so far
4. A medical check-up would be mandatory for many companies.Please be careful about smoking and alcohol consumption as this cannot be hidden and the cost of premium will be higher.
5. Check for the cover provided, cashless, daycare treatment, critical illness, and ICU stay and no claim bonus.
6.At this age as premiums are higher, some choose a co-payment option wherein the premiums are little less but you have to pay 10%-25% of the hospital bills if hospitalized. If you are 50 without any illness or the above-mentioned family illness then you can go for this option.
7.If you are buying this insurance for a hernia surgery, gallbladder removal, prostate or uterus surgery, joint or stent placement, then please read the terms and conditions as it would take at least 2-4 years to be eligible for these before you can actually claim for it.
8.If there is a requirement of dialysis, chemotherapy or radiotherapy, then please check because some policies will not cover this even if you declare it upfront.
9.you can the claim settlement rates and the time taken to settle the claims from the IRDA (insurance regulatory and development) website
You can choose one of the below
Bajaj Allianz, ICICI Lombard, Apollo Munich and Max Bupa. f the person is 60 years, then National insurance Varistha mediclaim is a good option. please check on bankbazaar.com,gibil.in and policybazaar.com