Is Ayush treatment covered under Activ One NXT?

Yes, inpatient treatments taken under Ayush (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homoeopathy) are covered up to some insured.

Does this plan cover non-medical expenses like hospital consumables?

Yes, non-medical consumable items such as gloves, masks, and surgical kits are covered through the claim product benefit, safeguarding you against out-of-pocket expenses during hospitalisation.

Is maternity coverage included in the standard NXT base policy?

No, maternity cover is not a standard base benefit under the Activ One NXT variant.

How long are pre- and post-hospitalisation medical expenses covered?

Pre-hospitalisation medical expenses are covered up to 90 days, and post-hospitalisation expenses are covered for up to 180 days.

Our daycare treatment and ICU charges kept under Activ One NXT ?

Daycare treatments and ICU charges are covered up to the full sum insured, with no specific daily limit or capping.

What is the waiting period for specific diseases or listed procedures?

There is a 24-month specific waiting period for specified medical conditions and treatments as defined in the policy document before coverage begins.

How many hospitals are included in the insurer's cashless network?

You can access cashless healthcare across 16,500+ network providers.

What is the current claim settlement ratio (CSR) for Aditya Birla Health Insurance?

The insurer achieved an insurer-level claims settlement ratio of 97% for FY 2025-26.

How does cumulative bonus work under this plan?

ActivOne NXT utilises a super credit structure to accumulate bonuses for clean free years, enhancing your effective sum insured.

Does ActivOne NXT offer a free health checkup?

Yes, the plan includes an annual health checkup once every policy year for insured members.

Can I buy ActivOne NXT as a policy for my family?

Yes, Activ One NXT is available in both individual and family floater coverage options.

What are HealthReturns™, and how do they benefit me?

HealthReturns is a wellness reward feature that lets you earn back up to 100% of a premium by staying active and achieving health goals.

Is a deductible option available to lower the premium?

Yes, an optional deductible benefit is available, allowing you to opt for an out-of-pocket threshold in exchange for a reduced premium.

OneAssure

Health Insurance

Aditya Birla

Activ One NXT

Aditya Birla Activ One NXT

Start with twice the cover from day one, then refill the base sum insured unlimited times from the second claim, and earn up to 100% of your premium as HealthReturns.

97.27%

Claim Settlement Ratio

11,000+

Network Hospitals

10/10

Plan Rating

Policy policy wording

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Our Verdict

Expert Review: Aditya Birla Activ One NXT

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

What Is Activ One NXT?

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 overall well-being.

NXT Ratings

NXT

Insurer Rating

8.21

out of 10

Insurance Rating

10

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Aditya Birla Activ One NXT Inclusions and Exclusions

Initial Waiting Period

30 days

Modern Treatment

Covered up to some insurance

ICU Charges

Covered up to some insured

Cumulative Bonus

Super credit structure is present.

Consumable Cover

Covers 100% of single-use items like PPE kits, gloves, and surgical supplies with zero claim deductions.

Specific Waiting Period

24 months

PED Waiting Period

36 months

Annual Health Checkup

Once every policy year

Post-Hospitalisation

180 days

Outpatient Department Cover (OPD Expense)

Present as an optional add-on

Deductible Option

Present as an optional add-on.

Coverage Options

Available either as a single individual policy or as a shared sum-insured floater plan for the whole family

Maternity Cover

Not covered in base plan. Only available as an optional rider.

AYUSH Treatment

Covered.

Co-payment

The insurer pays 100% of the admissible claim with no mandatory out-of-pocket cost sharing, regardless of city zone.

Pre-Hospitalisation

90 days

Claim Settlement Ratio

97% (FY 2025-26)

Room Rent

Covered up to sum insured.

Cashless Healthcare Providers

16,500 + current insurer network

Daycare Treatment

Covered

Disease-wise sublimits

Subject to policy terms.

Restoration Benefit

Unlimited refill up to base sum insured.

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

Activ One NXT Add-Ons and Riders

Chronic Management Program (Opd)

Critical Illness Cover

Air Ambulance

Unlimited Care

Pre Existing Diseases

Cancer Booster

Compassionate Visit

Durable Equipment Cover

Insurance Premium Calculator

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About the company

About Aditya Birla

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 Insurance continues to build trust among policyholders. Its focus on innovation and holistic wellbeing makes it a dependable choice for those seeking comprehensive, wellness-driven health protection.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.