Super Top-Up
tvam's Presence
8000
Points of Service
50,000+
Pincodes Covered
Download the tvam app today
Get ₹50L cover at as low as ₹714/- per month.
Get ₹50L cover at as low as ₹714/- per month.
Ensure adequate cover in face of rising disease onset and treatment costs.
Multiply your family’s health cover at low premiums
Super top up coverage begins once the base policy(deductible) is exhausted
If you opt for a ₹50 Lakh Super Top-up plan with 3 Lakh deductible
Say your hospital bill is ₹10 Lakh, ₹3 Lakh will be paid from your pocket OR base policy
Remaining ₹7 Lakh will be paid from your Super Top-up plan
You or a family member can claim the remaining ₹43 lakh from the Super top-up plan throughout the year
Super top-up now!
Hassle-free Inclusion for parents, aged under 80.
tvam Exclusive
Locked rates, your premium stays fixed as you grow older.
tvam Exclusive
Entire Sp Top-up sum insured can be used with any disease
tvam Exclusive
Cover up to 6 members in just one policy
No pain of undergoing any health checkups
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
AVAILABLE EXCLUSIVELY FOR tvam USERS
Co-created WITH Care Health
Because Your Health Deserves More
Because Your Health Deserves More
Find answers to your policy-related questions
Opt for any type of room, rent covered up to 1% of sum insured & 2% of sum insured in case of ICU.
You do not need to pay any cost for approved medical services.
Ambulance cost covered up to Rs. 1000 per hospitalisation.
541 day care procedures which don’t require hospitalisation of more than 24 hours.
Medical expenses incurred up to 30 days before hospitalisation and 60 days after hospitalisation.
Covered after a waiting period of 2 years.
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.
Expenses towards delivery, newborn and other maternity related costs.
Non-medical items and certain non-payable items like gloves, masks etc.
Sterilisation, assisted reproduction, and any other type of fertility treatments.
Expenses related to eye treatment like lasik surgeries and dental treatment like braces, root canal etc.
Plastic surgery or any other surgery for change of appearance.
Treatment for self-inflicted injury or attempted suicide.
Treatment for alcoholism, drugs or substance abuse, or any addictive condition and consequences.
Doctor consultation without hospitalisation.
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.
Satisfied Customers
Bank Partners
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
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
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
The super top up policy is designed to provide you higher coverage at very low premiums.
It is made possible by
selecting a deductible amount.
Deductible is the amount you must pay before your super top up starts covering your
approved medical expenses. It can be
paid through your base/primary health insurance or from your own pocket.
For example, let’s say you buy a super top up of ₹25L with ₹3L deductible.
In first 5 months of your policy year, you incur a total of ₹7Lacs as medical expenses
across one or multiple claims.
First ₹3 lacs from your base health insurance policy/own pocket and the
balance ₹4 lacs can be claimed
from your super to up policy.
Claims up to ₹21L can be made under the super top up policy in the remaining 7 months of
the policy.
Available exclusively for tvam users, to purchase please download the tvam app from
Google play store. On the app,
navigate to the super top up 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.
No, it is not a necessity to have a primary health insurance policy while buying a super top up policy, but it is strongly recommended to have one.
No, you can have a base policy from any insurance provider and still buy super top up from tvam.
Yes, you may buy a super top up plan with a deductible equivalent to the cover provided by your corporate policy.
Yes, an underwriter will reach out to you over a phone call to obtain your health details and review your application. Once approved, all admissible expenses related to pre-existing diseases incurred after 2 years of policy issuance will be covered.
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
No, there are no disease-specific sub limits in this policy.
Yes, you may avail tax benefits under section 80D for premium paid towards super top up plans, like in the case of health insurance
At tvam, we strive to be your WHealth manager, bringing you curated products that resonate with our mission Health, Wealth and Well-being.
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