Ditto Insurance
Ditto Insurance is an IRDAI-licensed insurance advisory platform in India that provides free, advisor-led guidance to individual and family buyers purchasing term life and health insurance through 12 partnered insurers, backed by Zerodha and operated as a product of Finshots.
- Company typePrivate
- Founded2021
- HeadquartersBangalore, India
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What Ditto Insurance does
Ditto Insurance is an IRDAI-licensed insurance advisory platform operating in India as a product of Finshots and backed by Zerodha. The company provides personalized advisory and purchasing assistance for term life and health insurance, connecting individual and family insurance buyers with IRDAI-certified advisors through a digital-first model centered on phone and WhatsApp consultations. Founded in 2021 and headquartered in Bangalore, Ditto has assisted over 800,000 customers with insurance decisions as of 2025-2026 and maintains a 4.9/5 Google rating from 21,000+ reviews.
The platform's core technology comprises a proprietary six-point policy evaluation framework and a three-point insurer evaluation framework, refreshed every 90 days using IRDAI data combined with Ditto's own operational claims-experience data. Its product surface spans term life insurance advisory, health insurance advisory, 24/7 claims assistance, an interactive cover calculator, and a large library of educational content. The company is a licensed Corporate Agent (Composite) under Tacterial Consulting Private Limited (License No. CA0738, valid until 9 December 2026), enabling it to distribute policies from a deliberately curated panel of 7 health insurers and 5 term insurers, below the IRDAI-permitted maximum of nine.
Ditto earns revenue exclusively through commissions paid by insurer partners on successful policy sales, with all advisory services offered free of charge to customers. The company raised approximately Rs 34 crore (~$4 million) in a seed round led by Zerodha, with participation from Rainmatter Capital and the Zerodha founders. Distribution is direct-to-consumer across India through the website (joinditto.in), a phone booking system, and WhatsApp, supported by Finshots' content platform and an advisor-led sales motion; geographic focus is India-only.
Ditto Insurance firmographics
Firmographics- Name
- Ditto Insurance
- Legal name
- Tacterial Consulting Private Limited
- Website
- https://joinditto.in
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Ditto Insurance is an IRDAI-licensed insurance advisory platform in India that provides free, advisor-led guidance to individual and family buyers purchasing term life and health insurance through 12 partnered insurers, backed by Zerodha and operated as a product of Finshots.
- Ownership category
- akta.pro rank
Ditto Insurance industry classification
Industry- Product category
- Insurance Advisory Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)
- akta.pro secondary industry
- Individual AD&D Insurance (Direct-to-Consumer) (FSAIALAC)
Keywords
Where Ditto Insurance is headquartered
LocationHeadquarters
- HQ city
- Bangalore
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Ditto Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Insurance Distribution Commissions (Corporate Agent): As an IRDAI-licensed Corporate Agent (Composite), Ditto Insurance earns commissions from insurance companies (insurer partners) when customers purchase policies through the platform. The company explicitly states that commissions do not influence its plan rankings or recommendations — evaluations are conducted independently of commission payout tables. Ditto works with fewer partners than the nine-insurer maximum permitted by IRDAI regulations, onboarding only those that clear Ditto's quality benchmarks.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free Advisory Service |
Go-to-market motion3 records
Distribution channels1 record
Marketing channels9 records
Ditto Insurance product offering
Product offeringCore offering
Ditto Insurance is an IRDAI-licensed Corporate Agent (Composite) that provides free, advisor-led advisory and purchasing assistance for term life and health insurance to individual consumers and families in India. Customers book free 30-minute consultations with IRDAI-certified advisors, receive 2-3 curated policy recommendations selected using a proprietary six-point evaluation framework, and get end-to-end support through application, policy issuance, and lifetime claims assistance. The platform curates a selective panel of seven health insurers and five term insurers that pass its quality benchmarks.
Product overview
Ditto Insurance is an IRDAI-registered insurance advisory platform that operates as a web aggregator and corporate agent, offering expert advisory and purchasing services for health and term life insurance. The core offering consists of Term Life Insurance Advisory Services and Health Insurance Advisory Services, supported by Claims Assistance, Cover Calculator tools, and educational content. The platform differentiates through personalized IRDAI-certified advisor consultations, a transparent six-point evaluation framework (Ditto's Cut), and lifetime claims support. Partnerships include health insurers (HDFC Ergo, Care Health, Niva Bupa, Star Health, Aditya Birla Health, ICICI Lombard, Bajaj General) and term insurers (ICICI Prudential, HDFC Life, Axis Max Life, Bajaj Life, Tata AIA Life).
Differentiator
Problem solved
Functional benefit
Products and services
- Term Life Insurance Advisory Services
- Health Insurance Advisory Services Expert advisory and purchasing assistance for health insurance policies, including coverage options, network hospital access, family floater vs. individual plans, and pre-existing condition disclosures. Aimed at individuals, families, senior citizens, and parents seeking health cover in India.
- Claims Assistance Service
Quantifiable outcome
- 4.9/5 Google rating from 21,000+ customer reviews
- +3 more outcomes
Companies that use Ditto Insurance
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Ditto Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Ditto Insurance partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered flagship and core.
- FinshotsflagshipDitto Insurance is a product built by the team behind Finshots, a financial media newsletter/publishing brand. The founders met the Finshots team and decided to build Ditto Insurance together. Finshots' existing financial media audience serves as a primary demand-generation channel for Ditto.
- HDFC ErgocoreHealth insurance partner. Ditto is a licensed corporate agent with formal partnerships with select insurers that meet its quality benchmarks for claims track record, product quality, and operational reliability. HDFC Ergo is one of Ditto's seven health insurance partners.
- Care Health InsurancecoreHealth insurance partner. Care Health Insurance is one of Ditto's seven partnered health insurers.
- Niva BupacoreHealth insurance partner. Niva Bupa is one of Ditto's seven partnered health insurers.
- Star HealthcoreHealth insurance partner. Star Health is one of Ditto's seven partnered health insurers.
- Aditya Birla HealthcoreHealth insurance partner. Aditya Birla Health is one of Ditto's seven partnered health insurers.
- ICICI LombardcoreHealth insurance partner. ICICI Lombard is one of Ditto's seven partnered health insurers.
- Bajaj GeneralcoreHealth insurance partner. Bajaj General (Bajaj Allianz General Insurance) is one of Ditto's seven partnered health insurers.
- ICICI PrudentialcoreTerm insurance partner. ICICI Prudential Life Insurance is one of Ditto's five partnered term insurers.
- HDFC LifecoreTerm insurance partner. HDFC Life Insurance is one of Ditto's five partnered term insurers.
- Axis Max LifecoreTerm insurance partner. Axis Max Life Insurance is one of Ditto's five partnered term insurers.
- Bajaj LifecoreTerm insurance partner. Bajaj Allianz Life Insurance is one of Ditto's five partnered term insurers.
- Tata AIA LifecoreTerm insurance partner. Tata AIA Life Insurance is one of Ditto's five partnered term insurers.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Ditto Insurance competitors and assessment
Company assessmentDirect peers
- PolicyBazaar: India's largest insurance aggregator and web comparison platform. Directly comparable to Ditto as a multi-insurer distribution intermediary serving retail consumers, though at significantly larger scale and with a broader product portfolio.
- InsuranceDekho: Insurance aggregator and corporate agent in India operating across health, life, motor, and other lines. Comparable to Ditto as an IRDAI-licensed intermediary selling policies from multiple insurers to retail consumers.
- Turtlemint: Insurance distribution platform combining digital tools with an offline POSP advisor network. Directly comparable to Ditto's hybrid digital-plus-human advisory model for retail insurance sales.
- Coverfox: India-based online insurance aggregator offering comparison and purchase across health, life, motor, and other lines. Comparable as a multi-insurer broker targeting retail insurance buyers.
- RenewBuy: Insurance aggregator and web broker offering health, life, motor, and other policies from multiple insurers. Comparable to Ditto as an online corporate agent and advisory platform for retail customers.
- Easypolicy: Insurance comparison and distribution platform operating across health, life, motor and other categories. Comparable as an online intermediary helping retail consumers compare and purchase policies from multiple insurers.
Broad incumbents
- Acko General Insurance: Digital-first Indian insurer selling health, motor, and other policies direct-to-consumer. Comparable as a competitor in the same retail insurance category, though Acko underwrites risk rather than acting as a pure intermediary like Ditto.
- Digit Insurance: Established Indian digital insurer offering health, motor, life and other policies through direct online channels. Comparable as a competitor addressing the same retail insurance buyer, though operating as a carrier rather than broker.
Emerging players
- Onsurity: Employee benefits and group health insurance platform for SMEs in India. Comparable as an emerging player in health insurance distribution, but focused on employer-sponsored group coverage rather than Ditto's retail consumer focus.
- Plum: Indian employee health insurance and benefits platform serving SMEs. Comparable as an emerging insurance distribution player, but focused on B2B group coverage rather than individual retail like Ditto.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Ditto Insurance social profiles
Digital presenceDitto Insurance compliance and trust
Trust signalCompliance1 record
Ditto Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ditto Insurance leadership team
Management profileNumber of profiles
Profiles2 records
Ditto Insurance funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ditto Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ditto Insurance
What does Ditto Insurance do?
Ditto Insurance is an IRDAI-licensed Corporate Agent (Composite) that provides free, advisor-led advisory and purchasing assistance for term life and health insurance to individual consumers and families in India. Customers book free 30-minute consultations with IRDAI-certified advisors, receive 2-3 curated policy recommendations selected using a proprietary six-point evaluation framework, and get end-to-end support through application, policy issuance, and lifetime claims assistance. The platform curates a selective panel of seven health insurers and five term insurers that pass its quality benchmarks.
Is Ditto Insurance a public or private company?
Ditto Insurance is a private company. It is classified as venture growth investor backed and is currently operating.
When was Ditto Insurance founded?
Ditto Insurance was founded in 2021. It employs 1,001 to 5,000 people.
Where is Ditto Insurance based?
Ditto Insurance is headquartered in Bangalore, India, in the Asia region.
How does Ditto Insurance make money?
One revenue line is on record: insurance Distribution Commissions (Corporate Agent).
Who are Ditto Insurance's main competitors?
Direct peers on record are PolicyBazaar, InsuranceDekho, Turtlemint, Coverfox, RenewBuy and Easypolicy. Broad incumbents are Acko General Insurance and Digit Insurance. Emerging players are Onsurity and Plum.
Does Ditto Insurance have an API?
No public API is recorded for Ditto Insurance.
What industry is Ditto Insurance in?
Ditto Insurance's product category is Insurance Advisory Services. Its primary akta.pro industry code is FSAIAKAE, Individual/Retail Critical Illness & Hospital Indemnity, with a secondary code of FSAIALAC, Individual AD&D Insurance (Direct-to-Consumer). Its NAICS code is 5242 and its SIC code is 6411.