Health is going to be an expensive affair in the years to come. So it makes sense to take good health insurance especially if one is nearing 40s. 

Here again you can do a good research like I did from the site of IRDA.

What you have to do is look for the list of companies links under insurance companies. 

Goto the last one year data of financial disclosure of each company.

Search for L 25 paragraph.

Write down their total claims registered under Health only and total claims settled by the company under health to find the claim ratio.

Next check out their premium for your age and term and get the best deal. Online or offline does not matter.

SO obviously avoid the red rows below and go for yellow or orange.