Unofficial tool · IITB alumni
Super Top-Up Premium Calculator
Tick who you'd cover under the IIT Bombay alumni super top-up plan (Zopper · Aditya Birla) and see the yearly premium. Rates from the enrolment portal, 9 Jul 2026 — an estimate, not an official quote; confirm yours on the portal before enrolling.
You & immediate family
Sum insured
Deductible
Your parents
Separate, higher scale (entry age 41–85). With two parents, priced by the older one's age.
Sum insured
Deductible
Your spouse's parents
Same scale as your parents — its own group, priced by the older person's age.
Sum insured
Deductible
How the pricing works
- Age is banded in 5-year steps (18–25, 26–30, … 81–85). The premium is flat inside a band and steps up at each boundary. Pricing keys off the oldest person in a group.
- In the you + family group, adding a spouse uses the two-adult rate for the older adult's age band (a bit more than one adult, well under double). Each child adds a small flat amount that's the same at any age (a 2-year-old and an 18-year-old cost the same).
- Parents & in-laws price on a separate, higher card — not the self-bucket table or the 1.5× spouse rule. They have their own one-person and two-person rates; with two parents the price is set by the older parent's age (the younger's age doesn't change it). Entry age 41–85.
- Your parents and your spouse's parents are separate groups — each with its own premium and its own deductible to cross.
- Each group sets its own sum insured + deductible, exactly like the portal — pick them inside each group. Want the same cover everywhere? Set it on you & family and hit “Use this cover for all groups”.
Changelog
- 10 Jul 2026 Rebuilt the layout: each group is now its own card on a wider three-column grid, so most controls are visible without scrolling on a laptop. Removed the duplicate cover box at the top — each group sets its own sum insured and deductible, with a “use this cover for all groups” shortcut on you & family.
- 10 Jul 2026 Each group — you & family, your parents, your spouse's parents — can now pick its own sum insured and deductible, matching the portal, and the breakdown shows the cover applied to each.
- 9 Jul 2026 Switched the two-adult (couple) premium to the directly-read portal grid, removing the last ×1.5 approximation. Every figure in the calculator is now a direct portal read — nothing is estimated.
- 9 Jul 2026 Wired in the full verified rate card from the portal. Parents & in-laws now use their real one-person and two-person tables (priced by the older parent's age) instead of an estimate, and the accident rider defaults on to match the portal.
- 9 Jul 2026 Corrected parents & in-laws pricing: they use a separate, higher rate card (~1.9× a same-age adult, not the 1.5× spouse rule) with a 2-person minimum. These figures are now flagged as rough estimates to verify on the portal.
- 9 Jul 2026 Added a mobile sticky total bar so the premium stays visible while you build your family on a phone.
- 9 Jul 2026 Launched: pick cover + deductible, toggle family members with ages, live premium (incl. GST) with a per-group breakdown and the optional GPA rider. Rates pulled from the enrolment portal on 9 Jul 2026.