Personal accident insurance – Need Suggestion

Hello, I've done a lot of research regarding Bajaj Allianz Global Personal Guard Policy and Star Accident Care. My query 1. How is the after-sales service of both the companies? I've checked their claim settlement ratio details. But what about their service? 2 . Bajaj Allianz policy features, 25 lakh cover - Death benefit, Permanent Partial Disability, Permanent Partial disability (PPD cover - 36 lakh) , Accident Hospitalization, Adventure Sports, Fracture Care - 1 lakh cover, Coma - 5 lakh cover, Loss of Income due to Disability, Ambulance. Premium - Rs. 5825 3.Star Accident Care 25 lakh cover, Death benefit, Permanent Total Disablement - 150% of SI, Permanent Partial Disablement, Temporary Total Disablement, Vehicle and / or Residence Modification, purchase of blood, transportation of imported medicines, medical expenses extension, hospital cash, Home Convalescence. Premium - Rs. 2283 Features are somewhat the same but there is a huge difference in the premium. Please suggest which plan should I go ahead. Premium is not my only criteria, service is also important. Regards, Ravi