Making Insurance Simple for millennials through @joinditto | Co-founder @finshots | Alumnus of @IIMAhmedabad & @IITRoorkee
Bengaluru South, India
Joined July 2016
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Just received the Google Play Best of 2020 Award! @finshots
Thanks a ton to all the readers and well-wishers who made this possible.
1/ While Byju’s and Unacademy are struggling, PhysicsWallah seems to be sailing through the storm. (1/n)
India is known for biryani, kebabs, parathas…
But French fries? Not quite.
Yet here we are. India quietly turning into a French fry powerhouse.
Exports have jumped 9x in just 5 years 👇
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India imports 1,000 tonnes of gold every year.
But guess how much we mine at home? Barely 1.5 tonnes. Even KGF produced only 800 tonnes in 120 years.
However, that may soon change. A single policy shift could kickstart India’s own gold rush 👇
The love story between Indians & gold is legendary. Weddings, savings, investments- we just can't get enough!
But mining at home? Stuck in policy knots for decades.
Approvals dragged, licences were out of reach, and private explorers had no real shot.
Until the 2023 Mines & Minerals Amendment changed the game.
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Last week, #Apple announced its newest line of iPhones with the launch of iPhone 17 series. The base model starts from 82K and the pro model’s price goes up to 1.3L. (2/n)
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GST on health and term insurance is going away. But that doesn’t mean everyone saves 18%.
For the uninitiated, starting 22 September 2025, health and term insurance premiums will be exempt from GST.
It sounds like an instant 18% discount. But in insurance, as always, the fine print matters.
Here are the most common questions we’re getting at @joinditto Ditto (and what we’re telling people) 👇
At least 50% of Indian cars are manufactured in Tamil Nadu, mostly in Chennai. This makes Chennai known as the ‘Detroit of Asia.’ But how did it reach this stage? Here’s what you need to know. (1/n)
Aravind Srinivas → IIT Madras → Berkeley → Yoshua Bengio → Google → Perplexity AI.
Now in the news for a $34.5B bid to buy Google Chrome, more than double his company’s valuation.
From Chennai to shaking up Silicon Valley.
Here’s a quick snapshot of him, courtesy @finshots
A client of ours reached out, frustrated and exhausted. His reimbursement claim for chemotherapy had been rejected.
Not once—but twice!
Here's how we helped him get his claim back. 🧵
A friend called me recently, sounding a bit stressed. He was in the final stages of buying his house when the bank told him they could only approve his loan if he took home loan insurance.
So, naturally, he felt pressured to sign up.
When I asked him if he understood how it truly worked, he seemed clueless.🧵👇
So this happened recently, and I still can’t get over it.
A client of ours had his insurance claim rejected—for an illness he never even had. No joke.
He went in for a routine check-up, filed a claim like any normal person would, and then boom—rejected. Why? Non-disclosure of AML (Acute Myeloid Leukemia).
Cancer!!! 🧵
Insurance companies are now increasingly denying heart-related claims if you have BP, diabetes, or high cholesterol and are still in the 3- year pre-existing disease waiting period.
They hide behind policy wording: “Expenses related to the treatment of a pre-existing disease and its direct complications shall be excluded.”
Their interpretation? A heart attack is a direct complication of these conditions—even if your treating doctor finds no such link and is willing to offer an alternate explanation.
No more medical reviews, no more discussions—just outright rejection. It’s a complete shift from how claims used to be handled (when there was an actual consultation with the treating doctor before rejection)
We have tried helping our customers appeal this with the Ombudsman in several cases and they almost always rule in favour of insurers.
The only way around this it seems is to buy out the waiting period for these diseases with an add-on. But it's a very imperfect solution because many insurers won’t let you add this during renewal (if you did not add it while buying the policy).
Our team at @joinditto will continue exploring all possible recourse for our customers, but I hope the regulator is paying attention to this.
One of the biggest fears people have when buying insurance is this: You pick a policy, pay the premium, but the insurer rejects your application– and you never receive your refund.
Technically, this fear will almost never transpire because IRDAI has clear guidelines on how long insurers can hold your money, and typically refunds are processed in a few days.
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🚨This NEW health insurance plan will BLOW your mind.
No waiting periods.
No room rent limits.
No co-pay.
Heck, even a premium refund if you undergo a surgery,
I’m speaking of Narayana Hospitals’ Arya Health Plan. So what’s the catch? Here’s all you need to know. 🧵
30%—that’s how many term life insurance applications get rejected!
Here's a guide on how you can avoid it👇
Thread. (1/n)
Two very nice reviews about the Claims Experience at Ditto today. So I thought I’d share a few insights on how we’ve been helping our customers level the playing field against big insurance companies. Bookmark this thread because it could help you too (A thread) 🧵
🚨 Big news from Max Life! They're retiring their best-selling term plan, Smart Total Elite Protection Plan (STEP)
And introducing a totally new product - Smart Term Plan Plus (STPP) :
👉 7 unique variants
👉Insta Claim payouts
👉 Exclusive perks for women (Incl. Maternity cover)
👉"2x Special Exit (premiums back)" option! 💸
Should you buy it? Here's a comprehensive deep dive of one of the most comprehensive term plans on the market (A thread🧵)
First thing’s first - What are the 7 variants?
Okay, let me preface by saying that not all 7 variants will be useful for most people. However, these 7 variants are expected to cater to a wide variety of customers who may have very different needs. Let me go over some of the most useful ones
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The loophole that helped a customer at @joinditto get his money back -
Recently, a customer of ours injured his shoulder in an accident.
In the rush of an emergency, he used his corporate insurance to cover the surgery instead of his personal plan.
The procedure went smoothly, and most expenses were covered while some minor costs weren’t. But that wasn’t much of an issue.
Post-surgery was when the real challenge began.
He realized that his physiotherapy sessions were incredibly expensive — and his corporate insurance wouldn’t cover them.
He turned to his personal health insurance but to his disappointment, the insurer denied the claim.
Their reasoning? Post-hospitalization expenses are only payable if they are tied to the same hospitalization under the same claim ID.
In simpler terms: since his surgery expenses were claimed under his corporate policy, the insurer argued that the post-hospitalization claims could not be linked to his personal insurance.
It was a textbook technical rejection.
At first, it seemed like nothing could be done. Until…we found a perfectly LEGAL loophole.
Since a portion of his surgery bill was unpaid, we advised him to submit a claim to his personal insurer for those remaining expenses.
That single step generated a valid claim ID.
The result? With the claim ID in place, the costly physiotherapy sessions were classified as 'post-hospitalization' expenses, making them eligible for reimbursement. The insurer had no reason to reject the claim now and finally agreed to pay out.
Insurers may rely on technicalities, but that shouldn’t stop you from claiming what’s rightfully yours. And that’s exactly why Ditto Insurance is here — to make sure you get the maximum benefit you deserve.
#india #startup
We don’t charge anything for our customers for any of our services. In fact, you get the same price in buying the policy as you would with the insurer, and if we had to go to the ombudsman Ditto takes care of all processes at no cost.
Get help from @joinditto executives to navigate the complexities in claiming an insurance in a hospital, they will charge you a small fee for the same. I’m not related to ditto in any ways. My friend of mine was able to get claims using ditto. Hope this information helps