The user has a Care health insurance policy purchased through Policybazaar in 2020, but renewed directly with Care since they were upgraded to Care Advantage. Upon comparing renewal quotes, Policybazaar’s premium is 4k higher than Care’s. The user finds no additional benefits from Policybazaar and prefers dealing directly with the insurer for claims and savings.
Other platforms like Ditto/Beshak pass on a 5% discount for online payments, unlike Policybazaar, which may retain the discount. The user suggests that there’s no benefit to using a broker like Policybazaar, as they don’t assist with claims and tend to spam. Instead, Ditto/Beshak may be a slightly better alternative.
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