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What's the catch of complimentary lunch or dinner for 2 voucher?
How much I need to pay from pocket?
Imo phone should have both, esim comes handy when roaming internationally as you can activate it even before reaching the country.
It has started a market of cheap roaming esims sold online.
You can full refund within 15 days of policy issuance.
Also charging for dob is wrong as you are obliged to give correct info and they can't issue you a policy on wrong I'd n dob.
Amex mrcc is what I would recommend if you have infinia. Spend 1.5lacs in a year and no annual fees (free via referral pm me).
Spend 1500 four times + 20k in a month and earn 1k+1k pts in addition to normal rewards.
Best for mariott transfer or taj vouchers.
Rest all redemption are useless after...