Ditto on WebNotes

Ditto health insurance: plans, insurers compared, and how it works (2026)

Wed, 20 May 2026 00:00:00 +0000

Ditto is an IRDAI-registered corporate agent (composite), licence number CA0738, that gives free advice on health and term insurance and sells policies from the insurers it represents. It does not underwrite cover; the policy is issued by the insurer, and the premium through Ditto is identical to buying direct. The legal entity is Tacterial Consulting Private Limited, the product comes from the Finshots newsletter, and Zerodha’s Rainmatter put in the seed capital. This page sets out what Ditto is, how its advisory and revenue model work, the health insurers a buyer typically compares with their IRDAI claim ratios, the Section 80D tax position, how to read a health policy on the terms that decide a claim, and how Ditto differs from aggregators such as PolicyBazaar.

Ditto Insurance versus traditional insurance brokers and agents

Wed, 20 May 2026 00:00:00 +0000

The argument over insurance distribution in India is an argument about incentives. Every channel that places a policy with a retail buyer, from the Ditto advisory desk to a tied agent to a full insurance broker, is paid by the insurer, not the buyer. What separates them is how that payment shapes the advice, how many insurers each can offer, and whom each one legally represents. This page sets the advice-led model that Ditto runs against the traditional agent and broker channels, and explains the IRDAI licence distinctions that drive the difference.

Ditto term insurance: how it compares plans and is it good (2026)

Wed, 20 May 2026 00:00:00 +0000

Ditto is an IRDAI-licensed insurance advisory that helps buyers pick a term life policy without selling one of its own. It is backed by Zerodha’s Rainmatter and was built by the team behind Finshots, the financial-newsletter business. Ditto advises on the plan, helps fill the proposal form honestly, and stands in at the claim stage. It does not underwrite the cover; the insurer carries the risk and pays the death benefit. This page compares the term plans Ditto puts in front of a buyer, the claim records that decide whether those plans are worth holding, how much cover to actually buy, and where the advisory model helps versus where it stops.