1Cr+ term insurance plans* from India’s top insurers @ ₹850/month ONLY

Zero cost plans

No spam ever

Block your premiums

24/7 claim support

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3,00,000+

Customers advised

Why should you Buy from Ditto?

IRDAI - Certified Advisors

Our insurance advisors are IRDAI-certified and have undergone 200+ hours of training to guide you in your journey- from informed policy selection to seamless claim settlement.

End To End Claim Support

We offer 24x7 claim support. Be it scorching afternoons or cold nights, if you need us there, you'll find us there with you.

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 the conversation.

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

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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!

CEO Zerodha

Nithin Kamath

Why we are working with Ditto

Life and health insurance have to be the first things you get, even before you start investing. But most people get intimidated by all choices and complexity. Then there's the issue of rampant mis-selling. We've long wanted to solve this for Indians, and I'm really excited about this partnership with Ditto.

What people think about us

Had a good chat with Ditto about term insurance. I always knew that smokers pay a higher premium, but not to the extent of 40%.

Karthik Rangappa

VP - Education Services @ Zerodha

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

Ditto in the news

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.

^*Disclaimer

The premiums on your term plan may vary based on your age, gender, lifestyle habits, plan duration & other factors depending on the insurance companies i.e., on the basis of your profile.
Zero-cost term plans may not always be the best choice in all cases. One must do their due diligence before purchasing them.
64+ critical illness cover comes only with certain term insurance plans.
Claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 080-48816818. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions.
The information contained in this website is only indicative in nature and is presented purely for informational purposes as a service to the internet community at large. It does not constitute the entire terms, conditions, and exclusions of any policy or insurance advice. Product information is solely based on the information received from the insurers.
It is important to understand that insurance is a subject matter of solicitation and market risks. It is the responsibility of the user to understand the limitations of insurance policies and the risks involved, and under no circumstance, form, or manner, do we take any liability in such cases. For more details on risk factors, terms and conditions, please read the offer documents carefully before concluding a sale.
Products and Prices offered by the insurers are as per the IRDAI approved insurance plans. All savings and online discounts are provided by insurers as per IRDAI approved insurance guidelines. Standard T&C apply.
Tacterial Consulting Private Limited | CIN: U74999GJ2018PTC103398 | Office - The Pavilion, 175/176, 2nd Floor, Bannerghatta Main Road, next to Rainbow Hospital, Bilekahalli, Bengaluru, Karnataka 560076 IN | License No. [CA0738], Valid till [9th December 2026], License category- Corporate Agent (Composite).