Aditya Birla Activ One NXT

Pre Existing Diseases - Pre Existing Diseases

Critical Illness Cover - Provides financial protection in case of diagnosis of critical illnesses such as cancer, heart attack, or stroke. Covers specified illnesses with a lump sum payout to support treatment or recovery costs. Available for self, spouse, and children with customizable sum insured options

Air Ambulance - Coverage for expenses during Emergency air transport (by plane or helicopter) that ground transport cant provide.

Unlimited Care - Unlimited coverage for a single claim during the policy period, with a sum insured of up to ₹1 crore

Cancer Booster - Provides a lump-sum payout on the diagnosis of cancer offering enhanced financial support for treatment and recovery

Compassionate Visit - If hospitalization exceeds 10 days for a covered claim, travel costs (up to ₹50,000) for an immediate family member will be reimbursed. Includes spouse, partner, children, or dependent parents.

Durable Equipment Cover - Covers expenses incurred on medical equipment such as wheelchairs, crutches, or prosthetics prescribed by a doctor for recovery or mobility support

Room Category - Lets policyholders choose or upgrade their hospital room type (e.g., single private room), ensuring comfort and avoiding room rent capping at the time of hospitalization.

Annual Screening Package for Cancer Diagnosed Patients - Offers preventive health check-ups once a year to monitor and manage health risks proactively, tailored to age and medical history

Vaccine Cover - Covers the cost of medically necessary vaccinations, including those for diseases like typhoid, hepatitis, and newer recommended vaccines

Tele – OPD consultation - Provides access to medical consultations with qualified doctors over phone or video calls, allowing policyholders to seek timely medical advice without visiting a clinic or hospital physically. Ideal for minor illnesses, follow-ups, and managing chronic conditions from the comfort of home

Second Medical Opinion for listed Major Illness - Enables insured members to get a second opinion from expert doctors for critical illnesses such as cancer, organ failure, or heart conditions

Preferred Provider Network (PPN) Discount -10% co-pay of claim is outside PPN - 10% premium discount applicable for treatment at Preferred Provider Network hospitals Non-network treatment will have a 10% co-pay

Personal Accident Cover - Provides financial compensation in case of accidental death or permanent total/partial disability resulting from an accident

Chronic Care (Day 1 In-patient Hospitalization) - Offers hospitalization coverage from Day 1 for pre-declared chronic conditions, without any waiting period

Chronic Management Program (OPD) - Provides cashless outpatient benefits and support for managing chronic conditions like diabetes, hypertension, asthma, etc., including consultations, diagnostics, and medication

Per Claim Deductible - Allows policyholders to choose a fixed deductible per claim, which helps reduce premiums. The insurer pays only the amount exceeding the deductible