17/05/2026
We don't buy anything direct today.
Groceries through Blinkit. Food through Swiggy.
Cabs, maids, plumbers, phones, clothes. Someone in the middle, every time.
Except insurance.
There, people still go direct.
The reason is simple.
Online is 5-10% cheaper.
Over 30 years, that adds up.
When you opt to go direct, for 5% discount, here's what it means.
You're alone when you fill the proposal.
Miss one medical detail and the claim dies before it's even filed.
Most rejections don't happen at claim.
They happen at disclosure, three years earlier.
You're alone when life changes.
New job, marriage, kid, parents moving in. The policy that fit you at 28 doesn't fit at 35. Nobody tells you.
You're alone at claim.
The insurer is not your friend. Not a villain either, just the other side of the contract. Their job is to protect their profits. Yours is to build your case. Without someone who's handled 100 similar claims, you're doing it for the first time in the worst week of your life.
The 5-10% saving is attractive.
But what you lose is also material.
