Aditya Birla Health
Activ One NXT
Premium depends on your profile
Health Insurance · head to head
Activ One NXT vs Health Care Plus Policy
Digit
Health Care Plus Policy
Premium depends on your profile
Specifications side by side
Spec
Activ One NXT
Health Care Plus Policy
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore
—
Highest sum insured
200 lakh
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Entry age
From 18 years (adult); 91 days (dependent child, floater/multi-individual); 5 years (individual policy) (no maximum stated)
From 91 days (no maximum stated)
Room rent
No capping - actuals up to base sum insured
Option: 1%, 1.5% or 2% of Sum Insured per day, or No Limit
Co-payment
Nil
Optional co-payment 0% to 50%
Waiting periods
Initial waiting period
30 days
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Pre-existing disease waiting
36 months
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Specific illness waiting
24 months
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Benefits
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Super Reload: 2X Sum Insured from Day 1 and unlimited refills up to 100% of base Sum Insured from 2nd claim in a policy year
Optional Sum Insured Refill Benefit: refills 100% of the Sum Insured specified and utilized under Section 1.A/1.B
No-claim bonus
Not in base NXT; optional Super Credit: 100% of SI per year up to 500% of Base SI (max Rs 3 crore), irrespective of claims
Cumulative Bonus (increase in SI) or No Claim Discount, as opted; upper limit as per Policy Schedule
Maternity
Not covered
Optional cover (Section 6), limited to two childbirth events; waiting period options No Waiting Period, 6 Months, 9 Months, 1 Year, 2 Years, 3 Years, 4 Years; SI 10,000 to 5,00,000
OPD
—
Optional Out-Patient (OPD) Benefit, Sum Insured 2,500 to 50,000
Insurer
Health incurred claim ratio (insurer)
71.5%
83.78%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
9000+
IRDAI UIN
ADIHLIP27048V022627
GODHLIP27048V052627
A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.
Pros and cons
Activ One NXT
- Pro: No co-payment on claims
- Pro: No room-rent cap
Health Care Plus Policy
- Pro: No room-rent cap