i talked to multiple doctors working in Delhi NCR some of them in cardiology and all said best is to opt for a govt insurer if not possible next options are hdfc or icici based on their experience in claims.also have a min of 15 lakh with top up if above 40.
we had similar issues two options helped. for 2 wheeler put old rug / cover so they don't scratch the seats. for cars we had put old sofa for drivers and luckily cats prefer soft sofa than hard car tops. there are cat repellent sprays which don't know helps or not. they hate wet areas maybe...
lazy suggestion. i have used decoction from https://truesouth.in/products/bold-ready-to-use-filter-coffee-decoction . met them during a food exhibition and coffee tasted quite good so ordered multiple packets and use them .