Aditya Birla

Activ One NXT: This option lacks a loyalty bonus and has a 4-year waiting period for pre-existing conditions. The upside is the Super Reload Benefit, doubling your coverage from day one.

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whatWeLike What We Like

This section highlights the strengths and benefits of Activ One NXT policy by Aditya Birla. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

Super Reload

Double Coverage from Day 1: You get 2x the cover from day 1, i.e., restoration from the first claim itself. For instance, if you buy a policy with a c...

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You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Unlimited Restoration Benefit

Future Hospitalizations: If you need hospitalization again in the same year, you can still claim the full cover.

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Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (90 days/180 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The in...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Activ One NXT policy by Aditya Birla. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Activ One NXT policy by Aditya Birla. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Your insurer doesn’t provide free health check-ups

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Activ One Nxt in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Aditya Birla Activ One NXT Plan is available for individuals aged 18 years and above, with no upper age limit, providing flexibility for all age groups.

Yes, the plan covers pre-existing conditions after a waiting period of 24 months, offering comprehensive coverage for long-term health concerns.

The plan includes additional benefits such as wellness programs, health check-ups, and access to a health coach, promoting overall well-being.

Yes, the plan provides a No Claim Bonus, increasing the sum insured by 10% for each claim-free year, up to a maximum of 100%.

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