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🏥 NITDAA Super Top-Up (STUP) Health Insurance Program 2026–27 — Overview

⚠️ Note: NIT Durgapur Alumni Association is NOT responsible for claim settlement. STUP claims are settled directly by Care Health Insurance Ltd (Group Care 360 product, in-house TPA/claims servicing).

  • 👔 Insurance Broker: Zopper Insurance Brokers
  • 💻 Technology Partner: Solvy Tech Solutions
  • 🤝 Claims Assistance: Zopper team supports the full claim journey — nitdaahealthplan@zopper.com | Pradeep: 93196 40944

📅 Enrollment Window (2026)

  • STUP Policy: 10 July 2026 to 10 August 2026
  • How to Enroll: Enrol via NITDAA Portal ➡️ Insurance tab: https://www.nitdaa.org/external_insurance
  • ⏱️ Policy Issuance: Policy issuance is real-time — documents within 4–5 working hours of payment

👥 Who Can Be Covered

  • Mandatory Proposer: Alumni (Self must enroll before Parents or In-Laws)
  • Eligible Members: Self, Spouse, Up to 4 Children (up to age 30), Up to 2 Parents, Up to 2 Parents-in-Law — three separate floaters: (1) Self+Spouse+Kids, (2) Parents, (3) In-Laws
  • Also Eligible: Life Members and approved Faculty/Staff, Students, Associate NITDAA members via portal
  • Not Eligible: Siblings, friends, relatives
  • Entry Age: Up to 99 years; once in, renewable for life of the program
  • Natural Additions: Marriage/childbirth allowed mid-policy by endorsement — intimate Zopper within 30 days of the event
  • Pre-policy medical check-up: Declaration basis only — no health check-up, no medical tests, no medical records

🛡️ STUP Policy Features (as per enrolment portal — Group Care 360)

  • Policy Tenure: 1 Year
  • In-patient Care: Up to Sum Insured
  • Room Rent: All upper-category rooms excluding suite | ICU Charges: No limits
  • Pre-hospitalization: 60 days | Post-hospitalization: 90 days
  • Domestic Road Ambulance: Up to ₹5,000 per hospitalization
  • Air Ambulance: Up to ₹2 Lakh per incident
  • Donor Expenses: Up to Sum Insured
  • Domiciliary Hospitalization: Up to Sum Insured (if exceeding 3 consecutive days)
  • Day Care Treatment: All day-care covered (541-procedure list)
  • AYUSH (Alternative Treatments): Up to Sum Insured
  • Consumables: Covered (as per Annexure in the Brochure)
  • Modern Treatment: 50% of Sum Insured; for Sum Insured above ₹30 Lakh, capped at ₹15 Lakh (robotic surgery, immunotherapy, oral chemo, stem cell therapy for hematological conditions, etc.)
  • Sub-limit: None | Co-pay: Zero | Covid-19: Covered
  • Claims Pay-out: Cashless within Care network / Reimbursement outside

⏳ Waiting Periods

  • Initial 30 days: Applies (waived for injuries/accidents)
  • Named Ailments (per Group Care 360): 12 months from first date of enrollment
  • Pre-existing Diseases: 1 year for New Members | 0 days for Renewal Members

💰 Sum Insured & Deductibles

  • Sum Insured Options: ₹10L / 15L / 20L / 25L / 30L / 50L / 75L / 1 Cr / 1.5 Cr / 2 Cr
  • Deductible Options: ₹3L / 5L / 7L / 10L / 15L / 20L / 25L — aggregate, crossed only once per policy year per floater
  • Integration: Works with any base/employer/individual policy — or none (deductible can be self-paid)
  • NRI-friendly: Claims valid for hospitalization within India; foreign-citizen alumni can cover India-resident parents/in-laws

🧑‍🦽 Optional GPA Rider (Alumni & Spouse only) — ₹1 Cr Individual Cover, Worldwide, Day 1

  • Accidental Death: 100% of Sum Insured
  • PPD/PTD (Disability): Up to Sum Insured, per Group Care 360 tables
  • TTD (Temporary Disability): ₹10,000/week, max 100 weeks
  • Children's Education: ₹50,000 per child (max 2 children)
  • Home Modification / Burns / Funeral: Home Modification: ₹25,000 | Burns: ₹10,000 | Funeral Expenses: ₹10,000
  • Tenure & Wait: 1 Year, zero wait period | 80D-eligible | Alumni must buy for self before adding spouse

💳 Premium and Payment

  • Payment Frequency: Annual only
  • Tax Benefit: Section 80D deduction (STUP and GPA both)
  • Premium Rating Basis: Age of the oldest family member in the floater, group claims ratio; City-neutral
  • Payment Flow: Member pays via NITDAA portal ➡️ Collected by Solvy Tech (Zopper) ➡️ Transferred to Care Health Insurance. Receipt and policy issued by the Insurance Company, NOT by NITDAA

🧾 GST Applicability

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

💡 Ideal Coverage Strategy

  • Use a base cover (3L–5L) as the STUP deductible, with STUP on top (SI up to ₹2 Cr). Higher deductibles (7/10/15/20/25L) lower the premium — a 10L deductible pairs well with a 10L base policy
  • Base policy NOT mandatory — deductible can be met out of pocket or through any insurer
  • If employer cover lapses (retirement/job change), STUP is unaffected — add a backup base cover

🔄 Recommended Transition Strategy

  • Do NOT cancel your existing policy when joining. Maintain overlap for at least 1 year
  • Year 1: PED and named-ailment claims (12-month wait) go to the existing policy; accident claims covered from day 1
  • After first renewal: PED wait drops to zero; then reassess the old policy
  • ⚠️ Critical: Skip a renewal and you cannot re-enter the program ever — continuity is everything

👨‍👩‍👧‍👦 Coverage Continuity for Family

  • If the Alumni passes away, family remains fully covered until the next renewal
  • For subsequent renewals, surviving family must contact the NITDAA Alumni team for portal access and renew annually
  • If both spouses are alumni, the survivor can re-enrol independently as proposer

👴👵 Parents and Parents-in-Law

  • Separate floaters under the alumni's policy — each with its own deductible, crossed independently
  • Parent claims paid via employer group insurance still count toward the STUP deductible

🏆 Why Trust It