Choose Tvam
A Family Healthcare Plan that Doesn't Break the Bank.
tvam's Presence
8000
Points of Service
50,000+
Pincodes Covered
Download the tvam app today
Premium starting as low as ₹191/- per month.
Premium starting as low as ₹191/- per month.
Why should age dictate your health coverage?
We bring you health insurance where premiums are fixed at entry and don’t increase with age or claim
Why Choose tvam
Parents Included
Hassle-free Inclusion for parents, aged under 80.
tvam Exclusive
Fixed Premium
Locked rates, your premium stays fixed as you grow older.
tvam Exclusive
For you and your Family
Cover up to 6 members in just one policy
No health checkup required
No pain of undergoing any health checkups
Pay In EMI
Flexible payments, enjoy
hassle-free EMI option
Care Health is one of India's leading Health Insurance provider
AVAILABLE EXCLUSIVELY FOR tvam USERS
22,900+
Network Hospitals
7 Crore +
Lives Covered Since Inception
38 Lakh+
Claims Settled
Trusted Support
AVAILABLE EXCLUSIVELY FOR tvam USERS
Co-created WITH Care Health
One Plan for Many Needs
Because Your Health Deserves More
One Plan for Many Needs
Because Your Health Deserves More
Cashless Treatment Across 9,000+ Network Hospitals
541 Day Care Treatments Included
Reduced Waiting Time for Pre-Existing Diseases
Understand our Policy Details
Find answers to your policy-related questions
Room Rent
Opt for any type of room, rent covered up to 1% of sum insured & 2% of sum insured in case of ICU.
No Co-Pay
You do not need to pay any cost for approved medical services.
Road Ambulance
Ambulance cost covered up to Rs. 1000 per hospitalisation.
Day Care Treatments
541 day care procedures which don’t require hospitalisation of more than 24 hours.
Pre & Post Hospitalisation
Medical expenses incurred up to 30 days before hospitalisation and 60 days after hospitalisation.
Pre-existing Diseases
Covered after a waiting period of 2 years.
Waiting Period
30 days initial waiting period, except in case of hospitalisation due to an accident. 2 year waiting period for expenses towards any pre-existing medical conditions and certain specified diseases like cataract, hernia etc.
Maternity expenses
Expenses towards delivery, newborn and other maternity related costs.
Consumables
Non-medical items and certain non-payable items like gloves, masks etc.
Sterility & Fertility Treatments
Sterilisation, assisted reproduction, and any other type of fertility treatments.
Eye & Dental Care
Expenses related to eye treatment like lasik surgeries and dental treatment like braces, root canal etc.
Cosmetic Treatments
Plastic surgery or any other surgery for change of appearance.
Self Inflicted Injuries
Treatment for self-inflicted injury or attempted suicide.
Lifestyle Induced Treatments
Treatment for alcoholism, drugs or substance abuse, or any addictive condition and consequences.
OPD Consultation
Doctor consultation without hospitalisation.
How to claim?
- Claim intimation can be done through hospital’s insurance desk or through Care’s self help portal: https://www.careinsurance.com/rhicl/claim/login
- For planned hospitalisation, kindly inform Care 48 hours prior to admission
- In case of emergencies, inform Care within 24 hours
- Claims are cashless at network hospitals.
- In case of emergency hospitalisation in a non-network hospital, the insured member has to settle the bill and file for reimbursement through Care’s self help portal: https://www.careinsurance.com/rhicl/claim/login
- Customers may reach out to tvam support for any assistance.
For detailed list of exclusions and T&Cs please download the policy wordings
Discover tvam
Where Health and Wealth Align for a Brighter Tomorrow.
At tvam, we want to improve your health, wealth and well-being. We strive to be your Whealth® manager, bringing you curated products that resonate with our mission.
2,35,000+
Satisfied Customers
7+
Bank Partners
Is Your Base Policy Enough?
Super Top-Up
50L at just ₹714 per month
Same Features
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Low Premiums
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Real Stories, Real Trust.
Read why customers rely on tvam:
The tvam app is highly convenient and user-friendly, making it easy
to invest in digital gold and peer-to-peer
investments.
Additionally, it simplifies purchasing insurance, applying for business loans, and
many other tasks.
Mr. Pramod MR
Valued Customer
Investing in gold has always given me a sense of secure investment.
It also provides a feeling of security against the volatile market.
I started investing in tvam Digi Gold FD, and this not only makes me feel secure but also grows my wealth by providing an interest rate of 4%/month
Mrs. Shwetha. S
Valued Customer
tvam provides a good health insurance option for my family and me,
offering high coverage at low premiums. tvam has
excellent health insurance policies, a reasonable claim settlement ratio, and simple claim
procedures.
They have a helpful and supportive customer service team.
Mr. Haren Hazarika
Valued Customer
Real Stories, Real Trust.
Read why customers rely on tvam:
tvam provides a good health insurance option for my family and me,
offering high coverage at low premiums. tvam has
excellent health insurance policies, a reasonable claim settlement ratio, and simple claim
procedures.
They have a helpful and supportive customer service team.
Mr. Haren Hazarika
Valued Customer
The tvam app is highly convenient and user-friendly, making it easy
to invest in digital gold and peer-to-peer
investments.
Additionally, it simplifies purchasing insurance, applying for business loans, and
many other tasks.
Mr. Pramod MR
Valued Customer
Investing in gold has always given me a sense of secure investment.
It also provides a feeling of security against the volatile market.
I started investing in tvam Digi Gold FD, and this not only makes me feel secure but also
grows
my wealth by providing
an interest rate of 4%/month
Mrs. Shwetha. S
Valued Customer
I find tvam a perfect app for my personal usecase
I regularly pay
all
my bills
through tvam Bill Payment and does all
my home mobile recharges through tvam app itself , which is very easy, seamless and fast.
Mr. Manu Narayan
Valued Customer
FAQS
Important factors such as your place of residence, number of members covered, age should be considered before finalising the cover amount. With medical inflation in double digits, it is advisable to go for a higher sum insured.
Available exclusively for tvam users, to purchase please download the tvam app from Google play store.
On the app,
navigate to the health insurance section from the home screen/main menu. Fill out the required
details, pay the premium
and complete your purchase.
For any assistance, please reach out to our support team.
Not at all! the process is designed to be completely hassle free and policy is issued based on the information provided by you.
For any emergency, you should intimate Care within 24 hours of hospitalisation. For any planned
admission, you should
seek cashless authorisation at least 48 hours prior to hospitalisation.
You can initiate a claim by sending a message to Care’s WhatsApp number +91-8860402452 or through
their self help portal
https://www.careinsurance.com/rhicl/claim/login
Claims are cashless at network hospitals.
Expenses incurred at a non-network hospital will only be covered in case of emergency admission till
the condition
stabilises. In such a case, you will need to settle the bill and file for reimbursement.
No expenses incurred at a non-network hospital will be covered or reimbursed in case of a planned or
non-emergency
admission.
No, there are no disease-specific sub limits in this policy.
Yes, an underwriter will reach out to you over a phone call to obtain your health details and review your application. Once the policy is approved, expenses incurred due to pre-existing diseases will be covered after an initial waiting period of 2 years.
Yes, there is no restriction on buying more than one policy. In fact, in case of corporate professionals, it is recommended to purchase a health insurance policy apart from the one provided by the company.
There is no upper limit on the number of claims during the policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured.
Join the tvam family
At tvam, we strive to be your WHealth manager, bringing you curated products that resonate with our mission Health, Wealth and Well-being.
Contact Us
Phone
Location
#490, 3rd floor, Above Karnataka Bank, CMH Road, Indiranagar, Bengaluru, Karnataka - 560038
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