Healthcare Protection, Simplified. Compare plans, enroll digitally, track claims, and earn wellness rewards.
Medical bills are the leading cause of bankruptcy in India. Families sell property. Parents borrow at high interest. Children drop out of school. Why? Because health insurance is confusing, expensive, and inaccessible.
TiNova's Personalized Medical Insurance Access platform makes insurance simple. Discover the right plan for your family, compare coverage side-by-side, enroll digitally in minutes, track claims in real-time, and earn rewards for healthy living. Healthcare protection should protect you—not confuse you.
Answer a few simple questions—age, family size, health conditions, budget—and TiNova's AI recommends the best health insurance plans for you. No jargon. No hidden clauses.
See plans from all major insurers (public and private), including government schemes like Ayushman Bharat (PM-JAY), state health schemes, and employer-sponsored coverage. Filter by premium, coverage amount, network hospitals, maternity benefits, pre-existing condition coverage, and claim settlement ratio.
Every plan includes plain-English explanations of what's covered, what's not, waiting periods, co-pays, and exclusions. Make informed decisions without a broker.
Compare up to 5 insurance plans side-by-side. See premium costs, sum insured, co-payment requirements, network hospitals, claim settlement times, customer ratings, and fine-print details in a clean, easy-to-read table.
TiNova calculates total cost of ownership—premiums over 10 years, expected out-of-pocket costs, and coverage gaps. No surprises when you need care.
Read reviews from real policyholders about claim approval speed, customer service, and hospital network quality. Trust data, not sales pitches.
Enroll in your chosen plan directly through TiNova—no paperwork, no agents, no office visits. Fill out a simple digital form, upload required documents (Aadhaar, PAN, medical reports if needed), and submit.
TiNova pre-fills information from your digital health records (with your consent) to speed up the process. Our system checks for errors, missing documents, and potential issues before submission—reducing rejection rates by 80%.
Policies are issued digitally within 24-48 hours. Policy documents, ID cards, and network hospital lists are sent to your phone and email. Start coverage immediately.
File claims directly through TiNova's portal. Upload bills, prescriptions, and discharge summaries via your phone. Track claim status in real-time—submission, document verification, approval, payment.
TiNova's AI pre-verifies claims before submission, flagging missing documents or ineligible expenses, reducing rejection rates. Approved claims are settled within 3-7 days, with payment directly to your bank account or hospital.
For cashless hospitalization, TiNova coordinates with network hospitals to pre-authorize treatment. You focus on recovery. We handle the paperwork.
Stay healthy, pay less. TiNova's Wellness Rewards program tracks your healthy activities—steps walked, health checkups completed, medications taken on time, BMI improvements—and rewards you with premium discounts, cashbacks, and coverage upgrades.
Connect fitness trackers, upload health checkup reports, and complete wellness challenges. Earn points redeemable for premium reductions up to 20%, free health screenings, gym memberships, and nutrition consultations.
Healthy living should be rewarded, not just illness treated. TiNova aligns your incentives with your insurer's—everyone wins when you stay healthy.
Partner with TiNova to reach millions of underserved citizens, reduce acquisition costs, and improve customer retention through digital-first insurance infrastructure.
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