Online vs Offline policy purchase.
So, my health insurance is due for renewal, and with all the products out there, especially with all the new diseases, I happened to visit the policy bazaar to check for all the new insurance policies covering them. Needless to say, the next hour I was flooded with their sales team's call. I then spoke to them, based on my requirement they offered a couple of products(mentioned below). My concern starts when they offer services like a dedicated person, policy bazaar certificate, hassle-free claim process, and whatnot.
1) So, do they really offer these services and can one trust them? or should one buy the policy directly from the company rather policy aggregator or we should stick to traditional agents ( considering they may not sell every kind of policy)?
2) Also I have finalized 2 policies HDFC ergo optima and Max Bupa reassure. Please suggest which would be better.