How does the waiting period affect my coverage?

A 30-day waiting period applies, with pre-existing conditions covered after 48 months and specified illnesses after 24 months.

What happens if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus increases your sum insured annually for claim-free years, providing additional coverage without extra premiums.

Does the Activ ONE NEXT plan cover treatment abroad?

The plan offers coverage within India, with optional add-ons for limited international emergency coverage. Consider global health coverage options.

OneAssure

Health Insurance

Aditya Birla

Activ One NXT

Aditya Birla Activ One NXT

Experience India's most trusted health insurance with Aditya Birla Health Insurance. Get instant cashless treatment at 8000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

8000

Network Hospitals

9.2

Customer Rating

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

9.2

Customer Rating

Our Verdict

Expert Review: Aditya Birla Health Insurance

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Final Verdict

Active Health NXT offers proactive wellness benefits, global treatment, and chronic disease cover from day one, ideal for health-conscious individuals. However, some add-ons may increase costs, requiring careful customization.

About

About Aditya Birla Health Insurance

The Aditya Birla Active Health NXT Plan is an all-encompassing health insurance policy tailored to address diverse healthcare needs while promoting wellness and financial security. This plan provides comprehensive coverage, including inpatient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and modern medical procedures. It offers robust benefits such as annual health check-ups, chronic disease management from day one, and coverage for AYUSH treatments. A unique aspect of the plan is its focus on proactive health management through wellness programs, fitness rewards, and personalized health coaching. With cashless hospitalization at a vast network of hospitals, global coverage for planned treatments, and optional riders for critical illness or accident protection, the Active Health NXT Plan ensures peace of mind with extensive coverage and a commitment to your...

The Aditya Birla Active Health NXT Plan is an all-encompassing health insurance policy tailored to address diverse healthcare needs while promoting wellness and financial security. This plan provides comprehensive coverage, including inpatient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and modern medical procedures. It offers robust benefits such as annual health check-ups, chronic disease management from day one, and coverage for AYUSH treatments. A unique aspect of the plan is its focus on proactive health...

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

Room Rent

Normal; Option 1 - Single Private Room
ICU: no limit

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, and specialized cardiac treatments, ensuring access to modern and high-cost medical care.

Co-payment

For Sum Insured 3 lakhs and below - Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25%
For Sum Insured 4 lakhs and above - Not Applicable

Waiting Period

Pre-Existing Diseases : Pre-existing Diseases shall be covered after a waiting period of 36 months as specified in Product Benefit Table / Policy Schedule
Specified disease / procedure waiting period (Code- Excl02): 24 months for specific illness/conditions and their complications in the first two years and is not applicable in subsequent renewals
Initial Waiting Period (Excluding Accidental Hospitalization): 30 days

Cashless Healthcare Providers

12354 + network hospitals.

Daycare Treatment

586 listed day care procedures covered by the policy.

AYUSH Treatment

Covered by the plan.

Room Rent

Normal; Option 1 - Single Private Room
ICU: no limit

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, and specialized cardiac treatments, ensuring access to modern and high-cost medical care.

Co-payment

For Sum Insured 3 lakhs and below - Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25%
For Sum Insured 4 lakhs and above - Not Applicable

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Exclusions

Expenses solely for diagnostic evaluations; non-related diagnostic expenses not incidental to current treatment.
Expenses for enforced bed rest admissions; custodial care for daily living; services for terminally ill individuals' needs.
Self-initiated obesity surgery without a doctor's advice; surgery covered only for BMI ≥ 40 or BMI ≥ 35 with comorbidities like severe sleep apnea, coronary heart disease, obesity-related cardiomyopathy, uncontrolled Type-2 Diabetes Mellitus, after failed non-invasive weight loss methods.
Expenses for changing body characteristics to the opposite sex.
Cosmetic or plastic surgery unless for reconstruction after accident, burn, cancer, or to remove immediate health risk, certified by a medical practitioner.

Add ons

Add-Ons

Pre Existing Diseases

Critical Illness Cover

Air Ambulance

Unlimited Care

Cancer Booster

Compassionate Visit

Durable Equipment Cover

Room Category

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

About the company

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya Birla ensures easy access to quality medical care through a smooth cashless claim process. The insurer also offers features like chronic care management, annual health check-ups, and value-added wellness services to promote long-term health. Backed by 24/7 customer support, quick claim settlement, and a transparent service approach, Aditya Birla Health...

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya...