Hi everyone,

I’m 24M and planning to buy a ₹1 Cr term insurance policy this month. I’ve shortlisted a couple of plans but I’m confused about which one to go with and whether buying through Ditto makes sense.

My questions:

1. Should I buy through Ditto or directly from the insurer/bank? The premium is the same in both cases for the policy I’m considering.
2. I’m confused between these two plans:
   • ICICI Pru iProtect Smart Plus
   • Axis Max Life Smart Term Plan Plus

Riders/Add-ons I’m considering:

ICICI Pru

• Critical Illness Cover (60 illnesses)
• Accidental Death Cover
• Accidental Disability Cover

Axis Max Life

• Waiver of Future Premium
• Accidental Death & Disability Rider
• Critical Illness & Disability Rider (64 illnesses)

Would appreciate suggestions on:

• Which insurer/plan is better overall?
• Which riders are actually useful and which ones are unnecessary?
• Any experiences with claim settlement/service for ICICI vs Max Life?
• Is Ditto genuinely helpful during claims or better to buy directly?

Thanks in advance!