mediclaim- direct vs via bank

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Deal Subedar
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what is the difference between mediclaim offered by companies directly to us vs via banks.
For example.
Tata AIG’s medicare plan is available directly and also in affiliation with BOB.
It costs 13478 when bought via bank and 27000 when bought directly.
Are there any major downsides for buying via bank?

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afaik those offered via banks have lot of restrictions and also there is no guarantee that it will stay active next year

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