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Aditya Birla Health · ADIHLIP27048V022627

Aditya Birla Health Activ One NXT

Aditya Birla Health Activ One NXT (IRDAI UIN ADIHLIP27048V022627) is an individual and family floater health insurance plan with sum insured from 5 lakh to 2 crore (10 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Aditya Birla Health Activ One NXT is a health insurance plan from Aditya Birla Health. Key specifications: plan type Individual and family floater, room rent No capping - actuals up to base sum insured, pre-existing disease waiting 36 months.

Premium depends on your profile
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Plan type
Individual and family floater
Room rent
No capping - actuals up to base sum insured
Pre-existing disease waiting
36 months

Pros

  • No co-payment on claims
  • No room-rent cap

Full specifications

Cover

Plan type 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
Entry age From 18 years (adult); 91 days (dependent child, floater/multi-individual); 5 years (individual policy) (no maximum stated)
Room rent No capping - actuals up to base sum insured
Co-payment Nil

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Day-care treatment Yes
AYUSH treatment 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
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
Maternity Not covered

Insurer

Health incurred claim ratio (insurer) 71.5%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
IRDAI UIN ADIHLIP27048V022627

About the Activ One NXT

Aditya Birla Health Activ One NXT (IRDAI UIN ADIHLIP27048V022627) is an individual and family floater health insurance plan with sum insured from 5 lakh to 2 crore (10 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Aditya Birla Health.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: 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
  • Entry age: From 18 years (adult); 91 days (dependent child, floater/multi-individual); 5 years (individual policy) (no maximum stated)
  • Room rent: No capping - actuals up to base sum insured
  • Co-payment: Nil

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • 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
  • 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
  • Maternity: Not covered

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same.

Premium

It depends on your age, cover, city and options. Aditya Birla Health does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

Aditya Birla Health's health incurred claim ratio was 71.50% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid.

Similar plans from other insurers

Other health insurance plans from Aditya Birla Health

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Activ One NXT

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Generali Central

Health Unlimited

  • Individual and family floater Plan type
  • Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹13,006 a year*

SBI General

Health Alpha

  • Individual and family floater Plan type
  • Up to actuals or Single Private AC Room or Twin Sharing Room, as opted Room rent
  • 24 months Pre-existing disease waiting
Sample premium ₹7,219 a year*

Zurich Kotak

Health Premier

  • Individual and family floater Plan type
  • No cap unless optional 'Cap on Room Rent' is opted (1% of base SI non-ICU, 2% ICU) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

Similar health insurance plans

Aditya Birla Health

Activ Fit

  • Individual and family floater Plan type
  • Any Room (SI Rs 5 lacs and above) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Aditya Birla Health

Activ Health Platinum Enhanced

  • Individual and family floater Plan type
  • SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Head to head

Compare the Activ One NXT

Questions

Activ One NXT FAQs

It depends on your age, cover, city and options. Aditya Birla Health does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

ADIHLIP27048V022627. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: No capping - actuals up to base sum insured.

Co-payment as stated by the insurer: Nil.

Maternity as stated by the insurer: Not covered.

5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

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