Apple care plus Alternative for iPhone 15

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gurri
Need suggestions whether is there any third party insurance for iPhone 15 covering same benefits as Apple Care ( Accident/ liquid damage) from authorised service centres.

1. Need genuine suggestions and reviews of various companies offering the benefits. Like Oneassist, onsitego, gowarranty.
2. Apple claims that they offer full replacement in case of total damage after charging 8900rupees as fees. Is it true and practical?
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