What makes the Aditya Birla Activ One NXT plan different from standard health policies?

Most health plans only step in after you fall sick. Activ One NXT is designed to be proactive. While it offers solid financial protection during hospitalization, its standout feature is a heavy focus on preventative care. You get access to chronic disease management (like diabetes or hypertension) right from day one, active health coaching, and a structured rewards program that slashes your premium if you maintain a healthy lifestyle.

Can I get treated anywhere in India? How does the cashless process work?

Yes. Aditya Birla has a massive network of over 8,000 tie-up hospitals across India (and expanding to over 12,000+ partner touchpoints). When you use a network hospital, the insurer settles the medical bills directly with the hospital, meaning you don't have to pay out-of-pocket except for non-medical items (like gloves or gowns).

Does this plan pay for advanced or modern surgeries like robotic treatments?

Absolutely. Medical tech has evolved, and this plan covers high-tech modern treatments up to your total sum insured. This includes:Robotic surgeriesStem cell therapy (for medically approved conditions)Targeted cancer therapiesComplex organ transplants

What are the waiting periods before I can claim for existing illnesses?

Waiting periods are standard across the industry to keep premium costs stable. For Activ One NXT, they break down as follows:Accidents: Covered from Minute 1.Initial Waiting Period: 30 days for any regular illnesses.Specific Illnesses (e.g., Cataracts, Hernia): 24 months.Pre-Existing Diseases (PED): 36 months (3 years) of continuous coverage before claims are honored, unless you purchase specific add-ons to reduce this timeline.

Will I have to pay anything out of my own pocket (Co-payment)?

If your chosen Sum Insured is ₹4 Lakhs or above, there is zero co-payment, regardless of your age or treatment location.Co-payment only kicks in for lower pocket budgets (Sum Insured of ₹3 Lakhs and below) if you live in a lower-tier city but choose to get treated in a Tier-1 metro zone. Keeping your sum insured at ₹5 Lakhs or higher completely removes this worry.

Are alternative therapies like Ayurveda or Homeopathy covered?

Yes, AYUSH treatments (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) are fully covered, provided the treatment is undergone in a government-recognized hospital or an accredited quality-care medical facility.

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

Policy policy wording

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

9.2

Customer Rating

Policy policy wording

Our Verdict

Expert Review: Aditya Birla Health Insurance

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...

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...

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

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

Cashless Healthcare Providers

12354 + network hospitals.

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

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

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

Chronic Care (Day 1 In-patient Hospitalization)

Chronic Management Program (OPD)

Pre Existing Diseases

Critical Illness Cover

Air Ambulance

Unlimited Care

Cancer Booster

Compassionate Visit

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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...

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...