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Reviewed by Finzony Finance TeamLast updated:
Activ One NXT is a comprehensive health insurance plan from Aditya Birla Health Insurance designed for individuals and families looking for dependable medical expense protection with additional wellness benefits. The plan provides coverage for eligible hospitalization, day-care procedures, pre- and post-hospitalization expenses, modern treatments and other covered medical costs as per the policy terms. It also includes benefits such as HealthReturns, Super Reload and coverage designed to reduce common restrictions on eligible medical expenses.
A tailored health insurance plan with HealthReturns, no capping on medical expenses and Super Reload for additional protection.
Activ One NXT is a suitable option for customers who want broad health insurance protection without choosing an overly complex plan structure. HealthReturns can reward eligible wellness activities, while Super Reload can provide additional protection when the available sum insured is exhausted, subject to the policy conditions. The plan also supports cashless hospitalization and covers a range of hospitalization and treatment expenses. Overall, it can work well for individuals and families seeking a balance between comprehensive coverage, wellness rewards and additional protection.
Aditya Birla Health Insurance
Key Insights
Founded
2015
Aditya Birla Health Insurance was established 11 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.8% CSR, calculated as a 3-year average
Aditya Birla Health Insurance settles 95.8% of all claims it receives, demonstrating strong credibility.
Network Hospitals
13,000+
Aditya Birla Health Insurance has a network of 13,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Coverage for eligible hospitalisation expenses during a covered medical treatment.
Subject to policy terms and applicable conditions.
Eligible medical expenses incurred before hospitalisation are covered for the applicable period.
Pre-hospitalisation period is subject to the policy wording.
Eligible follow-up medical expenses incurred after discharge are covered for the applicable period.
Post-hospitalisation period is subject to policy terms.
Coverage for eligible procedures that require less than 24 hours of hospitalisation.
Applicable day-care procedures are covered as per the policy.
Coverage for eligible advanced and modern medical treatments covered under the plan.
Coverage is subject to applicable conditions and policy limits.
Additional sum insured accumulation may be available through the applicable renewal benefit.
Eligibility and accumulation are governed by policy terms.
Optional premium-related protection may be available under applicable benefit options.
Availability depends on the selected policy configuration.
Initial waiting period and condition-specific waiting periods apply as per the policy terms.
Initial Waiting Period
Claims for illnesses generally become payable after completion of the applicable initial waiting period, except where the policy provides otherwise.
Specified Diseases
Certain specified diseases and treatments may have a waiting period before coverage becomes available.
Pre-Existing Diseases
Pre-existing diseases are covered after completion of the applicable waiting period stated in the policy.
Maternity Waiting Period
Maternity-related benefits, where applicable, are subject to the waiting period and eligibility conditions of the selected coverage.
Conditions or treatments that the policy clearly says it will not cover.
Coverage for specified illnesses and medical conditions is subject to applicable waiting periods, exclusions and policy conditions.
Insurer
Aditya Birla Health Insurance plans and claim process
Activ One NXT is a health insurance plan from Aditya Birla Health Insurance that provides comprehensive medical expense protection along with benefits such as HealthReturns, Super Reload and coverage for eligible hospitalisation and day-care treatments.
Activ One NXT can be considered by individuals and families looking for broad health insurance protection with wellness benefits and additional coverage features.
The available sum insured depends on the policy option selected. The plan is available across multiple sum insured choices, subject to the insurer's current product terms.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Aditya Birla Health Insurance website before purchasing.
Contact Details
1800 270 7000
Headquarters: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Maternity-related coverage may be available where selected and applicable under the policy.
Waiting period and eligibility conditions apply.
Eligible newborn-related coverage may be available with the applicable maternity benefit.
Subject to the selected benefit and policy conditions.
Additional benefits can be selected where offered under the applicable policy variant.
Availability and pricing depend on the policy configuration.
Yes. Activ One NXT includes HealthReturns for eligible wellness activities, subject to the applicable programme rules and policy conditions.
Super Reload provides additional coverage when the available sum insured is exhausted, subject to the applicable policy conditions and benefit rules.
Yes. Eligible hospitalisation expenses are covered subject to the terms, conditions, exclusions and limits applicable to the selected policy.
Yes. Eligible day-care procedures covered under the policy can be claimed without requiring 24-hour hospitalisation, subject to the applicable conditions.
Yes. Eligible medical expenses incurred before hospitalisation are covered for the applicable period specified in the policy.
Yes. Eligible follow-up medical expenses after discharge are covered for the applicable post-hospitalisation period.
Eligible modern treatments covered under the policy can be claimed subject to applicable conditions and policy terms.
Eligible AYUSH treatment can be covered where the treatment and facility satisfy the requirements specified in the policy.
Yes. An initial waiting period generally applies to illnesses, while accidental injuries are treated according to the policy terms.
No. Pre-existing diseases are generally covered only after completion of the applicable waiting period specified in the policy.
Yes. Like other health insurance policies, Activ One NXT has exclusions and conditions under which certain treatments or expenses are not payable.
Yes. Eligible treatment can be availed through cashless facilities at applicable network hospitals, subject to pre-authorisation and other policy requirements.
Eligible domiciliary treatment can be covered where the treatment satisfies the conditions specified under the policy.
Eligible organ donor-related expenses may be covered where provided under the policy and subject to the applicable conditions.
Yes. The plan can be considered for family health protection where the selected policy configuration supports the required family members and eligibility conditions.
No. Premium can vary based on factors such as age, location, sum insured, family composition and the policy options selected.
Yes. All benefits, coverage, waiting periods, exclusions, limits and claim payments are subject to the policy wording and the terms applicable to the selected plan.