Aditya Birla Activ One NXT review: what the policy wording says
Activ One NXT is a variant of Aditya Birla's Activ One plan (UIN ADIHLIP24097V012324). It pays room rent, ICU and road ambulance at actual cost up to the sum insured, covers 90 days before and 180 days after a hospital stay, and refills your base sum insured unlimited times in a year. Pre-existing diseases have a 3-year wait and listed illnesses a 2-year wait. Maternity is not covered.
What NXT pays for
- Room rent, ICU and road ambulance at actual cost, up to the sum insured.
- Day-care treatments, modern treatments, AYUSH, organ donor costs, treatment at home and home health care, up to the sum insured.
- Mental illness hospitalisation and obesity treatment, up to the sum insured.
- 90 days of costs before a hospital stay and 180 days after it.
- Sum insured from ₹2 lakh to ₹6 crore. Adults can join from 18 with no upper age limit.
Super Reload: the refill
If your base sum insured (and Super Credit, if you have it) runs out or is not enough for a claim, Super Reload adds an amount equal to your base sum insured, unlimited times in the policy year. It works from the first claim in the life of the policy. One claim can never take more than your base sum insured from Super Reload.
The order money is used in is set in the wording: base sum insured first, then Super Credit, then Super Reload, then Cancer Booster.
HealthReturns: money back for staying active
You can earn back up to 100% of your premium as HealthReturns, based on a yearly health check (your Healthy Heart Score) and how many active days you log. Unused HealthReturns are adjusted against your renewal premium. You can claim them up to 4 times a policy year.
Waiting periods
| Waiting period | Activ One NXT |
|---|
| Any illness after you first buy | 30 days. Not for accidents. |
|---|
| Pre-existing diseases | 3 years. An add-on can reduce it. |
|---|
| Listed illnesses and surgeries | 2 years. An add-on reduces it to 1 year. |
|---|
Add-ons, and what they cost you at claim time
- Room Rent Type Options: limit yourself to a single private room or shared room for a lower premium.
- Per Claim Deductible of ₹15,000 or ₹25,000.
- Preferred Provider Network: 10% off the premium, but you pay 10% of every claim at a hospital outside that network.
- Claim Protect: pays for all four lists of items a hospital bill normally leaves out, like gloves and other consumables.
- Super Credit: adds up to 100% of your base sum insured, even if you claim.
- Chronic Care: hospital cover from day 1 for listed conditions like diabetes, high blood pressure and asthma, with a combined limit of ₹5 lakh or the sum insured, whichever is lower.
- Critical Illness, Personal Accident, Cancer Booster and Durable Equipment cover.
What NXT does not cover
- Maternity. It is a standard exclusion. An ectopic pregnancy is still covered as a normal hospital stay.
- Items a hospital bill normally leaves out, unless you add Claim Protect.
- Treatment outside India, unless your policy schedule says it is covered.
Frequently asked questions
Does Activ One NXT have a room-rent limit?
No. Room rent and ICU are paid at actual cost up to the sum insured. You only get a room limit if you choose the Room Rent Type Options add-on for a lower premium.
Does Aditya Birla Activ One NXT cover maternity?
No. Maternity is a standard exclusion in the wording. An ectopic pregnancy is covered.
How does Super Reload work in Activ One NXT?
When your base cover runs out in a year, Super Reload adds your base sum insured again, any number of times that year. One claim can use at most your base sum insured from it.
What is the pre-existing disease waiting period in Activ One NXT?
3 years. You can reduce it with the optional Reduction in Pre-Existing Disease Waiting Period cover.
Compare these plans clause by clause
Where this comes from
- Aditya Birla Activ One policy document (Activ One NXT), UIN ADIHLIP24097V012324. Clauses C.8, C.9.2, C.10.6, D.1.18, Annexure III (Product Benefit Table).
Checked against the wording on 2026-10-09.
Terms on this page, explained
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