About Aditya Birla Activ One NXT Plan
Aditya Birla Activ One NXT is a comprehensive health insurance policy that offers double the coverage amount in the first policy year, followed by unlimited restoration of the sum insured from the 2nd year with the Super Reload benefit. It also increases the coverage amount by 5 times over 5 years, subject to a maximum of ₹3 crore, irrespective of the claim history with the Super Credit benefit.
Aditya Birla Activ One NXT Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹2 lakh to ₹6 crore |
| Pre-policy Medical Check-ups | May be required |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount |
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Key Benefits of Aditya Birla Activ One NXT Plan
Aditya Birla Activ One NXT Plan: Inclusions, Exclusions & Optional Cover
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Hospitalisation TreatmentIt pays for the medical expenses incurred on hospitalisation of at least 24 hours, including ICU charges.
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Road Ambulance CoverIt covers the cost of availing road ambulance services to transport the insured to the nearest hospital.
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Day Care TreatmentsIt pays for all day care procedures that require less than 24 hours of hospitalisaton.
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Modern Procedures/ TreatmentsIt covers in-patient or day care treatment expenses incurred on availing 12 listed modern treatments.
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HIV/ AIDS and STD CoverIt pays for in-patient hospitalisation expenses incurred on the treatment of HIV/ AIDS and sexually transmitted diseases (STDs).
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Mental Illness HospitalisationIt covers in-patient expenses incurred on the treatment of a mental illness or a medical illness that impacts the mental health of the insured.
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Overseas ExpensesIt does not cover medical expenses incurred outside India.
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Maternity ExpensesIt does not pay for maternity expenses incurred during pregnancy and childbirth.
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Sterility and InfertilityIt excludes the cost of undergoing sterility or infertility treatments.
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Unproven TreatmentsIt does not cover unproven treatments that lack sufficient medical documentation to support their effectiveness.
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Dietary Supplements and SubstancesIt does not pay for dietary supplements and substances that can be purchased without prescriptions.
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Alcoholism and Drug Addiction TreatmentIt excludes the treatment costs incurred on alcoholism and drug addiction.
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Reduction in Specific Disease Waiting PeriodIt reduces the waiting period for listed specific diseases from 2 years to 1 year.
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Claim Protect (Non-Medical Expenses Waiver)It covers non-medical expenses incurred during hospitalisation that are generally excluded under medical insurance.
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Room Rent Type OptionsIt allows the policyholders to opt for either a single private room or a shared accommodation as the eligible hospital room category.
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Per Claim DeductibleIt enables the policyholders to opt for a voluntary deductible of either ₹15,000 or ₹25,000.
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Preferred Provider Network (PPN) DiscountIt provides a premium discount of 10% if the insured agrees to avail treatment at a preferred provider network hospital.
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Critical Illness CoverIt pays a lump sum benefit to the insured in case he/she is diagnosed with one of the 20 listed critical illnesses, but after a survival period of 15 days.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Aditya Birla Activ One NXT Plan Waiting Periods
| Categories | Waiting Period |
|---|---|
| Pre-existing Disease Waiting Period | 3 years |
| Specific Disease/Procedure Waiting Period | 2 years |
| Initial Waiting Period | 30 days |
| Critical Illness Waiting Period | 90 days |
Aditya Birla Activ One NXT Plan: FAQs
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Q1. What is the Aditya Birla Activ One NXT plan?
Ans: The Aditya Birla Activ One NXT plan provides comprehensive coverage to the insured with double coverage in the first policy year, unlimited restoration of the sum insured, 5x coverage in 5 years, day 1 coverage for 7 listed pre-existing illnesses, non-medical expenses waiver, annual health check-ups, health assessment benefits and up to 100% wellness discount.
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Q2. Is Aditya Birla Activ One NXT good?
Ans: Yes. The Aditya Birla Activ One NXT is a good plan as it provides comprehensive coverage with high sum insured options. It comes with a Super Reload benefit that offers double coverage in the first year and unlimited restoration of the sum insured from the 2nd year. It also comes with a Super Credit benefit that increases the sum insured by 5 times in 5 years regardless of claim history. Moreover, the plan covers 7 listed pre-existing diseases from day 1, offers annual health check-ups, non-medical expenses waiver and up to 100% wellness discount.
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Q3. What is the Aditya Birla Activ One NXT plan price?
Ans: You can check the Aditya Birla Activ One NXT plan price on the official website of the insurance company. You can also use an Aditya Birla Activ One NXT premium calculator on Policybazar.com to know the estimated cost of the policy.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
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Aditya Birla offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Aditya Birla
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Aditya Birla for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Aditya Birla policy
- The network hospital will send the hospital bill to Aditya Birla.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate Aditya Birla about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
