1. Not really. The only issue is that you do not hv a family friend agent in an online policy to act pro-actively. Your family members must be fimiliar about policy & also competent enough to deal. Though I pray they should not get this job to handle.

2. Yes he is right. You need to deal with the customer care executives - but not an issue.

3. If the terms / condition / features are same then go with the cost effective policy

4. Question not clear.

5. Check whether the policy has got the provision of increasing cover or not

Dear Samuel

Answers as desired

1. Insuramce is sold by many channels ,online is z channel of distribution . All policies have common claim process and there can not be a problem if you buy online .

2. Claim is a process and there is no system of dedicated officer . All claims are handled by same people irrespective of channel . These claim support team do not see the channel .

3. Buying insurance is more important than chhosing Max or Bajaj . Both are equally good and you can choose as per your choice .

4. Both companies have over 98 % claim settlememt and equal rating so choose as per the competency of your advisor .

5. Bajaj is highly respected .

Hope this suffice