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🏥 NITDAA Base Health Insurance Program — Overview

Note: NIT Durgapur 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) + Base deductable ➡️ NITDAA STUP cover (15L–200L) for comprehensive protection
  • If employer cover lapses (retirement/job change), add NITDAA Base as a floor layer.

🔄 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 a separate floater policy after Alumni subscription.