ISBAA Base Health Insurance Program

Feedback from the Alumni Community

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

Muthu Ganapathy Subramaniam S

Alumni of ISBAA, 2005

“Thanks Zopper team for your constant support during the claim reimbursement process and especially when ABHI rejected the claim prematurely. Appreciate this effort from the Zopper team. Got my reimbursement claim successfully done.”

Raj Vachher

Alumni of ISBAA, 2012

“Thank you for your help in the recent claim process during my father-in-law’s hospitalization. Your help was invaluable in navigating the paperwork and requirements. Really appreciate your responsiveness in a stressful time.”

Abhishek Verma

Alumni of ISBAA, 2009

"I availed the ISB parental insurance this year, Zopper team was very helpful during the cashless approval and claim Processing."

Frequently Asked Questions

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.