Activ One NXT in one table
| Insurer | Aditya Birla Health Insurance Company Limited |
|---|---|
| Sum insured | ₹2 lakh to ₹6 crore, in tiers of 2 / 3 / 4 / 5 / 7 / 10 / 15 / 20 / 25 / 50 / 75 lakh and 1 / 2 / 3 / 4 / 5 / 6 crore |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Activ One NXT covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from Aditya Birla's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| Co-payment | Nil. A per-claim deductible of ₹15,000 or ₹25,000 can be chosen voluntarily to cut the premium | No Co-payment |
| Room Rent Limit | Room rent and ICU charges at actuals up to the sum insured – no category restriction | No room rent capping |
| Disease sub-limit | Nil. Mental illness, obesity treatment, day care, modern procedures and road ambulance are all paid up to the sum insured | No sub-limit |
| Annual bonus (Super Credit) | None in the base plan. Super Credit is a paid option on NXT – if bought, it adds 100% of the base sum insured a year regardless of claims, up to 500% of base cover or ₹3 crore | 50% each year (Minimum upto 100%) |
| Super Reload (2X from Day 1) | Applies from the very first claim in the life of the policy – which is what makes NXT effectively 2X cover on day one – and then refills the base sum insured an unlimited number of times a year, for the same illness or a different one | 100% restoration once in a year |
| Pre-Hospitalization | 90 days | At least 60 days |
| Post-Hospitalization | 180 days | At least 120 days |
| Consumables (Claim Protect) | Not in the base plan. Claim Protect is a paid option on NXT; it covers all four lists of Annexure I once bought | Consumables covered |
| Day-Care Treatment | All day-care treatments covered up to the sum insured, with no procedure list | Covered without a capped list |
| AYUSH Treatment | Covered up to the sum insured in an AYUSH hospital or day-care centre | Included |
| Home Health Care and Domiciliary | Both covered up to the sum insured | Included |
| Annual Health Check-up | Not in the base plan – it is a paid option on NXT, unlike MAX and VYTL where it is built in | Included |
| HealthReturns | Up to 100% of premium, earned through Active Dayz and a Healthy Heart Score. Built in | Wellness reward available |
| Entry age | Adults from 18 with no maximum entry age. Children 91 days to 25 years on a floater; an individual policy can start at 5 | No maximum entry age |
Activ One NXT add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
Activ One NXT discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| HealthReturns | Up to 100% of premium | Not a discount at purchase but a reward you accrue by being active, spendable on OPD costs or a fitness tracker. |
| Family discount | Up to 5% or 10% | 5% for two or three members in one policy, 10% for four or more. |
| Long-term discount | Up to 7.5% or 10% | 7.5% on a 2-year policy and 10% on a 3-year policy. |
| Preferred Provider Network | Up to 10% | In exchange for treating within the insurer's preferred hospital list. |
From the Activ One prospectus. Total discounts are capped at 27.1% of the policy premium.
Activ One NXT waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | 30 days |
|---|---|
| Specific Illness | 24 months |
| Pre-Existing Disease | 3 years – reducible to 2 years or 1 year, or waived for seven chronic conditions if you add Chronic Care |
| Critical Illness rider (signs or symptoms) | 60 days, plus a 15-day survival period |
The named illnesses that wait 24 months
Taken from the Activ One NXT policy wording, section D.1.2. These wait 24 months from the start of your first Activ One policy. An accident is covered from day one. If the same condition is also pre-existing, the longer 3-year clock applies instead. Indicative list – the wording carries the full set.
Activ One NXT exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Activ One NXT falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Activ One NXT questions, answered
Does Activ One NXT give a 100% bonus every year?
Not on its own. The benefit that does that is Super Credit, and on NXT it is an optional cover you pay extra for. Buy it and it adds 100% of your base sum insured every year regardless of whether you claimed, up to 500% of base cover or ₹3 crore. Leave it out and your cover does not grow at renewal at all. On the MAX and VYTL variants the same benefit is built into the base plan.
What does '2X cover from Day 1' mean?
It refers to how Super Reload behaves on NXT. On this variant the wording says the reload becomes payable on the first claim in the life of the policy, which the other variants exclude. So a ₹10 lakh policy can pay a ₹20 lakh first-year claim: ₹10 lakh from the base cover and ₹10 lakh from the reload. After that the reload keeps refilling the base sum insured an unlimited number of times a year, for the same illness or a different one.
How does NXT compare with Activ One MAX?
They share the same wording, the same waiting periods, the same 90/180 day pre- and post-hospitalisation windows and the same room and sub-limit position. The difference is what is bundled. NXT gets the reload from claim one; MAX excludes the first claim. MAX bundles Super Credit, Claim Protect and the annual health check-up; on NXT all three are paid options. Compare the total premium with the options you actually need, not the base premium.
Are consumables covered?
Only with the Claim Protect option. Once bought it settles every non-payable item across all four lists of the policy annexure on an admissible claim. Without it, the gloves, PPE, syringes and administrative charges hospitals bill separately come out of your pocket after the claim is settled.
What are the waiting periods?
30 days for any illness other than an accident, 24 months for a named list of conditions and procedures, and 3 years for pre-existing disease. Both the 24-month and 3-year clocks can be shortened for extra premium, but only at the inception of your first policy – not at a renewal and not on a port.
Is there a room rent limit?
No. Room rent and ICU charges are paid at actuals up to your sum insured, with no category restriction and no proportionate deduction. Watch the optional Room Rent Type Options, though – it lowers the premium precisely by restricting you to a single private room or shared accommodation.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other Aditya Birla plans we have read
Aditya Birla files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.