You can check for additional riders and see if these riders are included within the premium of a basic plan or with an additional cost. It would be advisable to be present in India at the time of purchase of the policy to avoid additional cost of medical examination and sending it to the insurance company. If you purchase the policy while you are in India, you would not have to bear this cost as it would generally be inbuilt in the cost of your policy.

The annual premium charged by some insurance companies for Rs 1 crore cover for a 30-year-old non-smoker, with their claim settlement ratio in brackets:
Max Life - 9046/- (claim settlement ratio for 2014-15 = 96.03%)
Birla Sun Life - 9904/- (claim settlement ratio for 2014-15 = 95.3%)
HDFC Life - 12227/- (claim settlement ratio for 2014-15 = 90.5%)
Aegon Life - 8550/- (claim settlement ratio for 2014-15 = 89.8%