Secure Your Family’s Future with 1 Cr+ Term Insurance.

Speak to IRDAI-certified advisors for honest term insurance recommendations tailored to your needs.

Why should you buy a term plan?

Term insurance is an essential tool to safeguard the financial future of your family and offer you peace of mind. In the event of your untimely passing, it offers a lump sum payout to your nominees, making sure their financial needs are taken care of.

Offer your family a financial crutch that’ll help alleviate the burden of daily expenses, education costs, and outstanding debts in your absence.

Enjoy the added advantage of tax deductions on premiums paid using Section 80C.

Learn more >

Once you purchase a term plan, the premium gets fixed for the entire policy duration — which makes right now the right time to buy a policy!

Term plan premiums are insanely low when you are young. A ₹1 Cr cover could start at just about ₹10,000/year.

Your nominees don’t have to pay taxes on the financial support they’ll receive.

If you're dissatisfied with your term policy, you have the freedom to cancel it within 15 days, providing peace of mind and flexibility.

Term Insurance Calculator

Find out your ideal cover amount

Your age

Enter your age (in years)

18 yrs

80 yrs

Protection duration

Enter the age till which you want your coverage to last (in years)

18 yrs

60 yrs

80 yrs

Monthly expenses

Enter your average monthly expense

Do not include EMIs and investments in expenses.

Outstanding Loans

Enter any unsecured outstanding loans

Disclaimer: Insurers set an upper limit to your coverage based on your income and education.

Get the right cover in just a few clicks!

Determining the ideal term insurance cover has never been easier. Enter your details, click "Calculate", and receive a personalized recommendation to meet your needs!

Benefits of Ditto

Why should you buy from Ditto?

We aren't pushy salespeople selling you insurance. We are your support system before and after policy issuance.

Better Service

If you want to change the nominee, add a new member to your policy, or talk to the insurance company in general, you'll have a better chance of getting through ASAP when you loop us in on the conversation.

Faster Policy Issuance

Ditto cuts policy issuance time through automation and process optimization, improving efficiency.

End-to-End Claims Support

We will fight on your behalf, tooth and nail. You can read more about our claims handling experience here

Beyond the Call

What people say about The Ditto Experience

Ditto's Report Card

Ease of Connecting - A+
Advisor's Communication - A+
Education - A+
Genuineness - A+
Respecting user (No Spam) - A+

CGPA - 10 (Highly recommended) @joinditto

Gorang Agarwal

@Gorang_Agarwal_

I recently took an insurance policy through @joinditto . It was a pleasure getting the insurance through them. They were patient enough to clarify all my doubts and guided me through the whole process. And they don't even charge anything from us! Great service 🤟

Kaartic Sivaraam

@kaartics

This one is for the guys at @joinditto Before any formal interaction with them, @finshots content and newsletter intrigued me for long time! Now, after being consulted by one of their Insurance Advisor Nishant, you totally won me! They are super nice! Super knowledgeable!

Harsh Shah

@05harsh

Buying a term insurance in India is not only difficult but confusing as well. But @joinditto has made it really simple. Want to thank Harman and Sukhpreet for their guidance and helping me choose the best plan according to my needs and life goals

Arpit Mishra💯

@mishraarpit01

Spoke to Prajwal from @joinditto , there were many things I didn't understand & knew about my health insurance. He took time and understood my query & explained many things about insurance, company, factors to look into. Did a thorough study of my policy.

GAURAV AGARWAL

@AGAURAV711

called @joinditto , asked tons of questions, read a little on net and sorted.

simran✨

@jr_sachdeva

I am so pleased with the free insurance advisory call I had with @joinditto It's remarkable that they're in the business of proper, spam free consultation, helping us navigate through the fine print of health and life insurance. I absolutely recommend buying insurance from them!

Samaya

@sam_ception

@joinditto is one startup I truly admire. Setting example for others. Have one call with Ditto’s Team and you will be confused if it’s a business or charity. Long way to go.

Nikunj Kejriwal

@thebreezerguy

Few days ago, I consulted with them to discuss my father's term plan, and they recommended the best possible solution. Excellent team, and highly recommended.

Hiren Patel

@hiren5260

Had an amazing experience purchasing Health Insurance from @joinditto . Shreyas Abhishek, my insurance advisor was a great help in understanding my requirements and helping me chose the right product. Definitely recommend @joinditto , they're just simply awesome :)

Dibyajyoti Basak

@dj_mstrpce

Thanks @joinditto and Chetan for all the help, in understanding, recommending and helping buy the right policy. 1 - No spam calls - true to your commitment 2 - Same prices as any other company/ platform. 3 - Giving enough liberty, to compare and choose the products.

Rishi Bhatia

@ribhatia

you guys at @joinditto are just amazing. I took your service for understanding the health insurance and got really honest replies and suggestions! and all this for free!! You ppl are doing a great job in this sector👏👏👏

dikshith

@dikshith171

If you already have a plan

Understand Your Term Insurance Policy

Understand what your policy has to offer. Read terms and conditions in plain English. And discover the good, the bad, and the lacking features in your insurance plan.

Frequently asked questions

Ditto helps you make better decisions when buying insurance. That's it. That's all we do.

We have a host of well-trained advisors who will walk you through any queries you may have and we'll even help you make a purchase. All you have to do is book a call.

Yes, it’s free.