Aditya Birla Health
Activ One NXT
Premium depends on your profile
Health Insurance · head to head
Activ One NXT vs Health Alpha
SBI General
Health Alpha
Sample premium
₹7,219 a year*
Quick verdict
- Health Alpha is better for existing illness covered sooner.
- Health Alpha is better for high sum insured available.
Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.
Specifications side by side
Spec
Activ One NXT
Health Alpha
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
5 lakh, 7.5 lakh, 10 lakh, 12.5 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 250 lakh, 3 crore
Highest sum insured
200 lakh
300 lakh
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
Up to actuals or Single Private AC Room or Twin Sharing Room, as opted
Co-payment
Nil
None in base (20% if Zone B premium and treated in Zone A; optional voluntary co-pay)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
24 months
Specific illness waiting
24 months
24 months
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: restoration of Base Sum Insured unlimited times during the Policy Year to the extent of claim amount
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 50% up to 100% to 1000% of Base SI (as opted) per claim-free year, OR 2.5% renewal discount
Maternity
Not covered
Optional cover (ages 18-45), 24-month waiting period
OPD
—
Optional OPD Cover section
Premium
Sample annual premium
—
₹7,219
Sample premium is for
—
Age band 26-30, Hospitalization Cover Sum Insured Rs 10,00,000, 'Hospitalization Base Office Premium excl GST' from the official rate chart (per insured, before zone/option relativities; Zone A carries 0% discount per prospectus so this is the undiscounted base). Rate chart note: 'Final premium to be assessed basis coverages opted, Zones, family combination, corresponding limits opted, relevant UW parameters'. Policy term not stated on chart.
Insurer
Health incurred claim ratio (insurer)
71.5%
82.19%
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)
—
18,000+
IRDAI UIN
ADIHLIP27048V022627
SBIHLIP26038V012526
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 Alpha
- Pro: Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it