My family's health insurance needs sorting properly IFinance

My family’s health insurance needs sorting properly, and I want to build a reusable spreadsheet that lets me compare several Indian family health-insurance policies side by side using organized, traceable evidence rather than marketing claims. Build a well-structured comparison spreadsheet for family health insurance policies available in India. Use current publicly accessible official insurer pages, policy wordings, customer information sheets or brochures, and other official product documents. Record the exact source page or document and research date for every changing fact such as premium, network size, plan variant, waiting period, or policy feature. The spreadsheet should compare at minimum: insurer and exact product/variant; policy type and family-floater structure; available sum-insured options; hospitalization coverage; room-rent and ICU limits or eligibility; co-payments, deductibles, sub-limits, and disease/procedure caps; pre-existing disease waiting period; specific disease/procedure waiting periods; initial waiting period; major exclusions; restoration/reinstatement rules where applicable; cashless hospital network evidence; important claim or eligibility conditions; official policy/document sources; and premium/value information where it can be compared fairly. Because I have not supplied my family members’ ages, city, medical history, maternity needs, desired sum insured, existing employer insurance, or budget, do not claim that one policy is personally best for my family. Instead, create a clearly labeled hypothetical reference profile solely for obtaining like-for-like public premium illustrations where possible, for example two adults and one child of stated ages in one stated Indian city, with no assumptions about medical underwriting beyond what the public quote permits. Keep the profile editable and clearly state that actual premiums, eligibility, underwriting, exclusions, and suitability can differ for a real household. If an insurer’s public quote cannot be obtained without creating an account, supplying private information, or completing an application-style flow, do not do so. Record premium as “not publicly comparable” and continue with the policy-term comparison. Treat official product pages as useful summaries, but use the actual current policy wording, customer information sheet, prospectus, or equivalent official document for fine-print terms such as room-rent restrictions, co-payments, waiting periods, exclusions, sub-limits, restoration conditions, and eligibility where available. Do not resolve conflicts silently; record material discrepancies between summary pages and policy documents. For the cashless network, do not treat the insurer’s headline network count as proof that the family has useful local access. Record the stated network size where available, but also include a field for local-network verification by city or preferred hospital once the real family location is known. Build a transparent comparison method that emphasizes the stated priorities: adequate sum insured, sensible hospitalization coverage without harsh room-rent restrictions, useful cashless access, waiting periods, major exclusions, and value. Keep evidence quality and unresolved information visible instead of converting unknowns into favorable scores. The final spreadsheet should identify which policies appear strongest under the hypothetical comparison profile and why, while clearly stating what real family information still needs to be checked before any purchase decision. This task is research and spreadsheet organization only. Do not buy a policy, submit an application, create an account for the task, make a payment, or provide private medical information.