IIMKAA Base Health Insurance Program

Q: Who is the insurer and who is the TPA?

The insurer for the program is Care Health Insurance. In house TPA is of Care Health Insurance.

Q: Is a base policy in my name required, and will this plan work with my existing insurance (or without a base)?

Yes, this plan works with your existing insurance policy.

Q: How can I enrol for the program, and why is it only through the Web Portal?

Enrollment is available through the web portal at https://iimbaa.com/page/insurance-572

Feedback from the Alumni Community

Don't just take our word for it. Here's what the IIMK alumni community is saying about their experience with our Super Top-Up Program.

Peeyush Jain

Alumni of IIMK, 2009

“The IIMKAA needed specialized group insurance to support alumni during unavoidable crises. Zopper solved this by negotiating robust, sustainable Super Top Up terms with multiple insurers and building a seamless tech platform for enrollment. Since 2022, their hands-on claim support has empowered the community to make better financial and risk-informed decisions.”

MR. Bharath Bhushan Krishna Reddy

Alumni of IIMK, 2003

“Just wanted to share my experience with claim for my mother's hospitalization.Zopper team has been extremely helpful and responsive, right from Peeyush to claims manager Pradeep.Am sure without their help, the entire process wouldn't have been as smooth as I went through.Thanks to everyone at Zopper.”

Frequently Asked Questions

Read More FAQs

Where can I see the premiums applicable to me?

You will be able to see the premium on the enrolment portal as part of your enrolment journey, based on the sum insured and deductible selection.

Who is the insurer and who is the TPA?

Aditya Birla Health Insurance Limited is the insurer and Zopper Insurance Broking Limited is the broker. Direct claim settlement will be done by Aditya Birla Health Insurance, and the TPA is in-house at Aditya Birla Health Insurance.

Is a base policy in my name required, and will this plan work with my existing insurance (or without a base)?

A base policy is not a prerequisite. You can enrol even if your coverage is under your spouse’s policy, by choosing at least the minimum deductible of 3 lakhs. This Super Top-up policy has its own coverage and is designed to work in conjunction with employer group health insurance, individual health insurance, or even with no base plan (you can pay the deductible out of pocket).

Would it require health check-up/tests or medical records before enrolment?

No, there is no requirement of a health check-up or sharing medical records during enrolment. Almost all individual plans require a medical test, which is often a hassle, but this group program does not.

How can I enrol for the program, and why is it only through the Web Portal?

You can enrol for the program through the ISB Alumni Web Portal, under the Insurance tab via this link. This program is limited to alumni; since all users of the Web Portal are verified alumni and part of the community, registration is enabled only through the Web Portal, and all registered members in the Alumni portal are eligible.

What is the entry age limit, and can I continue beyond 85 once I’ve joined?

Entry age is up to 85 years. Once an alum or a family member enters the program before 85 years of age, he/she can continue renewing the policy in subsequent years, even after crossing 85, as long as the insurance program continues with ISB.

Can I exit the plan and join back later, or skip a year and re-enter?

No, exit and re-entry is not allowed. If you do not renew your insurance in any renewal year, you will not be able to re-enter the program at a future date and will lose renewal benefits.

Are NRIs or foreign citizens eligible, and is treatment covered only in India?

NRIs and foreign citizens who are alumni can enrol (including to cover parents/in-laws), provided the policy jurisdiction remains India. Claims are payable for hospitalisations and treatment within India, and the deductible must also be spent in India for the Super Top-up policy to trigger.

Is there any co-payment required in the program?

There is no co-payment required in the program.