Ditto is a scam, refused to help when I went against their recommendation
I went to ditto for health insurance for my family, gave them the details, history and everything, and they recommended and HDFC, Aditya Birla and Care. The latter two are horrible, idk how they came up with the recommendation, and I wanted to go for ICICI elevate. They're like since it's not our recommendation, we can't help you with buying it, buy from the agent directly, like WTF dude, Basically don't come to us if you don't buy from our 3 recommendations.
Their recommendations are shit too (except HDFC) as several others are literally getting recommended the same here. I'll be going with ICICI Elevate with two riders of room rent modifier and non-consumables, but I don't want to buy directly, or is buying directly safe? Or should I go with policybazaar? Or some other agency? Or directly?