Overview
Aditya Birla's Activ One NXT plan is the entry-level variant within the Activ One series that derives its value from add-ons. This reflects how the policy is less comprehensive than other Activ One variants, which have strong features built into the plans. It includes the unique Super Reload Benefit, doubling the sum insured from Day 1. With a pre-existing disease waiting period of 3 years and no free health check-ups, this plan is best suited for those seeking essential coverage with restoration benefits but minimal frills.
Experts Review

Written by Nikhil Nair
Senior Writer

The Activ One NXT plan is positioned as the most basic option in Aditya Birla's Activ One series, making it less appealing compared to its MAX and MAX+ counterparts. The absence of loyalty bonuses and free health check-ups significantly limits its value proposition, especially for policyholders looking for long-term benefits. Additionally, the 3-year waiting period for pre-existing conditions is standard, but it does not offer any competitive edge.
The standout feature of this plan is its Super Reload Benefit, which doubles the sum insured from Day 1. For instance, if you opt for a ₹10 lakh cover, you immediately get ₹20 lakhs available for claims in India—a feature not found in other variants. This makes it advantageous for those anticipating high medical expenses early in the policy tenure.
However, the inclusion of chronic care coverage exclusively as a paid add-on makes NXT less comprehensive than some of the other variants in the Activ One portfolio that provide built-in coverage for chronic conditions from Day 1. While it covers hospitalization costs without co-payment or sub-limits, its limited add-ons and basic structure may not justify its premium compared to more feature-rich options.
Pros
Offers a wide range of features.
Premiums are relatively well priced.
Insurer has a solid track record with great claim and service metrics.
Offers Super Reload, which makes this policy stand out.
Cons
No Bonus for being healthy and not claiming insurance, which is a notable gap.
Your insurer doesn’t provide free health check-ups, which could be a drawback for some.
Maternity benefits not offered, which is a key feature.

Aditya Birla
Key Insights
Founded
2016
Aditya Birla was established 9 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
95% claims settled in 30 Days
Aditya Birla settles 95% of all claims it receives demonstrating strong credibility.
Network Hospitals
12,000+
Aditya Birla has a strong network with over 12,000 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
22 complaints per 10,000 claims registered
Aditya Birla experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Super Reload
STANDOUT
Get 2x the cover from day 1, i.e., restoration from 1st claim itself. When you buy a policy with a cover of 10 lakhs for instance, you are automatically entitled to a cover of 20 Lakhs starting from day 1 for treatments taken in India.
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. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Customisable
Change Any room to Single Private room or Shared Accommodation.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For Asthma, Hypertension, Cholesterol, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD), Obesity or Coronary Artery Disease (PTCA done prior to 1 yr): Pre existing disease waiting period is reduced from 3 years to 0 days.
Add-ons
Chronic Care
Recommended
For Asthma, Hypertension, Cholesterol, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD), Obesity or Coronary Artery Disease (PTCA done prior to 1 yr): Pre existing disease waiting period is reduced from 3 years to 0 days.
Claim Protect
Recommended
Covers list of 68 non-medical items as per list I
Super Credit
Recommended
Bonus of 100% up to a maximum of 500% with maximum capping of Rs. 3 Cr, irrespective of any claim in the previous year.
Chronic Care Management Program (OPD)
Get coverage for defined e-consultation sessions and pathology tests for listed conditions already diagnosed as PEDs.
Annual Health Checkup
Annual health check-up for specified tests, with a maximum limit up to the sum insured on a cashless basis.
Critical Illness
Paid out as a lump sum amount for Critical illnesses between Rs. 10 lakhs to Rs. 50 lakhs based on the cover chosen.
Personal Accident Cover
Paid out as a lump sum amount for Accidental Death, Total Permanent Disability, Permanent Partial Disability between Rs. 10 lakhs to Rs. 50 lakhs based on the cover chosen.
Cancer Booster
Get additional coverage up to 100% of Sum Insured for medical expenses linked to Cancer of Specified Severity.
Compassionate Visit
Lump sum of Rs. 50,000 for a policy year, covering 1 family member, if hospitalization exceeds 10 days
Room Rent Modifier
Change Any room to Single Private room or Shared Accommodation.
Per Claim Deductible
Choose deductible between ₹15,000 and ₹25,000 and get a discount on premiums.
Tele-OPD Consultation
Each insured member can get unlimited e-consultations from General Physicians.
Durable Equipment Cover
Covers the cost of durable items like Ventilator, Wheelchair, Prosthetic device, Suction Machine, etc up to 5L or base sum insured; whichever is lower.
Second Medical Opinion
Get second medical opinion for listed 27 major illnesses from doctors & experts from the network facilities.
Annual Screening Package for Cancer diagnosed Patients
Get pay out for medical expenses done on annual screening package for people diagnosed with Cancer, provided the conditions required are met up to defined limits on a reimburesement basis.
Vaccine Cover
Get coverage against vaccination for diseases declared as pandemic or epidemic up to specified limits per insured person.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Treatment involving Rotational Field Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP), Hyperbaric Oxygen Therapy, KTP Laser Surgeries, Cyber Knife Treatment, Femto Laser Surgeries, Bioabsorbable Stents, Bioabsorbable Valves, Bioabsorbable Implants. Use of Radio Frequency (RF) probe for ablation.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Cataract
Glaucoma
Refractive Error Correction
Sinusitis
Rhinitis
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take

◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 0 days for certain diseases.
What's missing in the policy
No Bonus for being healthy and not claiming insurance.
Your insurer doesn’t provide free health check-ups.
Maternity benefits not offered.
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Customer Reviews
P
Priya
Restoration benefit is good, helps when sum insured is used up.
R
Rahul
It covers the basics, functional plan hai.
A
Amit
If you only care about restoration, this one is okay.
P
Pooja
Could have more features for the price.
A
Aisha
No wellness benefits or rewards, feel like missing out.
D
Deepika
The restoration part is useful, used it once.

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Frequently Asked Questions
Does Activ One NXT have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Activ One NXT have room rent restrictions?
Does Activ One NXT offer a restoration benefit?

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