
Aditya Birla Activ One Nxt Plan
Aditya Birla Health Insurance
9.2/10
OneAssure Rating
9.2/10
OneAssure Rating
Highlighted Features

Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays..

Cashless network
The Activ Health Platinum Enhanced Plan by Aditya Birla Health Insurance offers cashless hospitalization across an extensive network of over 11,000 hospitals nationwide..
policy wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
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 Periods
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.
Day Care Treatments
586 listed day care procedures covered by the policy.
AYUSH Treatment
Covered by the plan.
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.
Exclusions
Chronic Care - Provides immediate coverage from day one for seven chronic conditions, including asthma, hypertension, hyperlipidemia, diabetes mellitus, chronic obstructive pulmonary disease (COPD), obesity, and coronary artery disease (post-PTCA).
Claim Protect - Covers non-medical expenses typically excluded from standard policies, such as costs for syringes, gloves, and personal protective equipment (PPE) kits, ensuring more comprehensive financial protection during hospitalization.
Super Credit (No Claim Bonus) - Enhances your coverage by adding 100% of the base sum insured each year upon policy renewal, up to a maximum of 500% of the base sum insured or ₹3 crores, regardless of any claims made during the policy term.
Personal Accident Cover - Provides a lump-sum payout in the event of accidental death, permanent total disablement, or permanent partial disablement, offering financial support during unforeseen circumstances.
Durable Equipment Cover - Covers the cost of prescribed durable medical equipment, such as ventilators, wheelchairs, prosthetic devices, and oxygen concentrators, up to ₹5 lakhs or the base sum insured, whichever is lower.
Second Medical Opinion - Facilitates access to a second medical opinion for 27 listed major illnesses through a network of medical experts and doctors, aiding in informed decision-making regarding treatment options.
Add-ons
Looking for a Specific Hospital ?

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About the Company
Aditya Birla Health Insurance Company (ABHICL), part of Aditya Birla Capital Ltd., is a trusted health insurance provider backed by the Aditya Birla Group and South Africa’s MMI Holdings. Since starting in 2015, ABHICL has focused on offering unique health plans like Chronic Care (for ongoing illnesses) and Incentivized Wellness, which promotes healthier living by rewarding good habits.
With pre-policy medical checkups for adverse pre-existing conditions, the company ensures tailored coverage and transparency, making it a trusted choice for individuals with specific and specialized health requirements.
Serving 21+ million lives, it combines comprehensive coverage with wellness benefits, empowering individuals to lead healthier lives with unparalleled care and support.