Healthcare Policy Expert

Note: NIT Durgapur Alumni Association is NOT responsible for claim settlement; all claims are settled exclusively by Aditya Birla Health Insurance.

• 👔 Insurance Broker: Zopper Insurance Brokers
• 💻 Technology Partner: Solvy Tech Solutions

📅 Enrollment Window (2026)

• Base Policy: 08 June 2026 to 30 June 2026
• STUP Policy: 01 July 2026 to 31 July 2026

👥 Who Can Be Covered

• Mandatory Proposer: Alumni
• Eligible Members: Alumni (Self), Spouse, Up to 4 Children, Up to 2 Parents, Up to 2 Parents-in-Law
• Not Eligible: Siblings
• Rule: Alumni Self must enroll before Parents or In-Laws

🛡️ Covered Benefits (Base Plan Summary)

• Room Entitlement: Single Private AC
• Pre-hospitalization: 60 days | Post-hospitalization: 90 days
• Ambulance (Maximum): Rs. 10,000
• Sub-limit: None | Co-pay: Zero
• Modern Treatment: 100% of Sum Insured | AYUSH Coverage: 100% of Sum Insured

💳 Premium and Payment

• Payment Frequency: Annual only (no monthly, quarterly, or half-yearly option)
• Tax Benefit: Eligible for Section 80D income tax deduction
• Premium Rating Basis: Based on age of the oldest family member, group claims ratio, and is City-neutral.
• Payment Flow: Member pays via NITDAA portal ➡️ Collected by Solvy Tech Solutions (Zopper) ➡️ Transferred to Aditya Birla Health Insurance. (Receipt and policy issued by Insurance Company, NOT by NITDAA)

🧾 GST Applicability

• Group policies (including NITDAA): 18% GST applies (retained as commercial group service)
• Total Cost Formula: Base Premium + 18% GST
• Note: GST was recently removed only for individual/family retail health insurance, not for group policies.

💡 Ideal Coverage Strategy

• NITDAA Base Cover (3L - 5L) can be used as deductible for STUP cover on top of that (SI 15 Lakh to 200 Lakh). However STUP policy can be opted for higher deductible of 7, 10 and 20 Lakh also. Having a Base policy is not mandatory for STUP.
• If employer cover lapses (Retirement/job change), add NITDAA Base policy as a back up cover.

🔄 Recommended Transition Strategy

• Do NOT immediately cancel existing policy when joining NITDAA. Maintain overlap for at least 1 year.
• During NITDAA's first year, Pre-Existing Disease (PED) claims go to existing policy (no waiting period).
• After first renewal of NITDAA, PED wait is waived; then cancel old policy.

👨‍👩‍👧‍👦 Coverage Continuity for Family

• Family remains fully covered until the next renewal date.
• For subsequent renewals, surviving spouse/family must contact the NITDAA Alumni team for portal access.

👴👵 Coverage for Parents and Parent-in-Laws

• Available as an extension of alumni's policy.