Aditya Birla’s Activ One Health Insurance Plan for 2025 is designed to offer comprehensive protection while encouraging a healthier lifestyle. This plan covers a wide range of medical needs, from hospitalization to chronic conditions, and even offers benefits for living a healthy life.One of its standout features is the HealthReturns™, where policyholders can earn rewards for staying active, like walking or exercising regularly. These rewards can be used to reduce premiums or cover other costs, making it both a health and financial benefit.The plan also offers coverage for families, including live-in partners, and provides additional options for critical illnesses, accidents, and cancer care. Overall, Activ One combines the security of health coverage with the motivation to live a healthier life, making it a great choice for modern health needs.
Unique Features of Activ One NXT Plan
Go Premium-Free on Renewal with 100% HealthReturns™*
Not only does staying active boost your energy and mental well-being, but with Activ One, you get rewarded for adopting a healthier lifestyle! By simply walking 10,000 steps or burning 300 calories every day, you can earn up to 100% of your premium back as HealthReturns™.
2x Cover from Day 1 & Unlimited Refill of Sum Insured~
When unexpected situations arise and you need more than your Sum Insured, this plan has you covered. You can enjoy 2X the Sum Insured from Day 1, plus unlimited refills up to 100% of the base Sum Insured starting from the second claim, ensuring you’re protected throughout the policy year.
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No Limit on Hospitalization Expenses^
Why worry about room categories or ICU charges during a claim? With no capping on hospitalization expenses, you’re fully covered for various treatments, including room rent, ICU charges, modern procedures, HIV/AIDS and STD treatment, mental illness hospitalization, obesity treatment, organ donor expenses, domiciliary hospitalization, home healthcare, AYUSH treatment, road ambulance services, and more. All expenses are covered as per actuals, up to your Base Sum Insured.
100% Hospital Bills Covered# Claim Protect
Say goodbye to concerns about non-medical expenses during your hospital stay. With the Claim Protect feature, all non-medical expenses listed in Annexure 1 are fully covered, allowing you to focus on your health and recovery rather than unexpected costs. This optional feature is available with the Activ One NXT plan.
Get 6X Cover by the 6th Year, Regardless of Claims
Every step you take towards improving your family’s health is recognized and rewarded! With each policy renewal, we increase your coverage by adding 100% of the Base Sum Insured annually, up to a maximum of 500% (3 crores), regardless of any claims made. This is an optional feature available with the Activ One NXT plan.
Chronic Coverage (Day 1 In-patient Hospitalization)
Say goodbye to concerns about rising healthcare costs and hospital stays due to chronic conditions. This benefit offers Day 1 In-Patient Hospitalization with no waiting period for the following listed chronic conditions:
- Asthma
- Hypertension
- Hyperlipidemia
- Diabetes Mellitus
- Chronic Obstructive Pulmonary Disease (COPD)
- Obesity
- Coronary Artery Disease (PTCA performed prior to 1 year)
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UNDERSTANDING THE ACTIV ONE NXT PLAN BETTER
The Activ One NXT Plan is designed to offer comprehensive health coverage while rewarding you for maintaining a healthy lifestyle. Here’s a breakdown of its key features:
- Enhanced Coverage Over Time
With the Activ One NXT plan, your coverage grows each year. You get an additional 100% of the Base Sum Insured on renewal, up to a total of 500% (maximum of 3 crores) by the 6th year, regardless of claims made. - No Limit on Hospitalization Expenses
This plan covers all hospitalization expenses without any caps. From room rent and ICU charges to modern treatments, HIV/AIDS, mental illness care, and more, all costs are covered as per actuals up to the Base Sum Insured. - Chronic Condition Coverage from Day 1
Unlike many other plans, Activ One NXT offers immediate coverage for listed chronic conditions such as asthma, hypertension, diabetes, obesity, and more, with no waiting period. - HealthReturns™ – Earn Premium Back
You can earn up to 100% of your premium back by maintaining a healthy lifestyle. Simple activities like walking 10,000 steps or burning 300 calories a day can help you earn rewards to reduce your premiums. - Claim Protect – Full Coverage for Non-Medical Expenses
This optional feature ensures that non-medical expenses during your hospital stay are fully covered, including costs like room charges, ambulances, and more, so you don’t have to worry about unexpected expenses. - Chronic Condition Day 1 Coverage
Activ One NXT covers chronic conditions right from Day 1, with no waiting period, offering immediate support for conditions like asthma, diabetes, and obesity.
With its blend of comprehensive health coverage, growth over time, and incentives for healthy living, the Activ One NXT plan is designed to provide both financial protection and peace of mind.
Why Choose Aditya Birla Health Insurance?
- 2.5 Crore+ Lives Insured
Aditya Birla Health Insurance has already insured over 2.5 crore lives, showcasing its widespread trust and popularity among customers. This large customer base reflects the company’s strong reputation, reliable service, and commitment to providing comprehensive health coverage. With a focus on quality care and customer satisfaction, Aditya Birla Health Insurance continues to be a preferred choice for millions seeking peace of mind and protection for their health.
- 11,000+ Cashless HospitalsAditya Birla Health Insurance offers access to over 11,000 cashless hospitals, ensuring seamless and hassle-free treatment for policyholders across the country.
- 21 Lac+ Claims SettledAditya Birla Health Insurance has successfully settled over 21 lakh claims, reflecting its reliability and commitment to timely and efficient claim resolutions for its customers.
- 96% Claim Settlement RatioAditya Birla Health Insurance boasts an impressive 96% claim settlement ratio, demonstrating its efficiency and commitment to providing fast and reliable support to policyholders.
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Eligibility for Aditya Birla Health Insurance
- Entry Age (Adult):
- Minimum: 18 years
- Maximum: No capping
- Entry Age (Child):
- Dependent child (for floater/multi-individual): 91 days to 25 years
- Individual: Minimum age 5 years
- Policy Type:
- Individual or Family Floater
- Policy Tenure:
- 1, 2, or 3 years
- Family Definition:
- Up to 2 adults and 4 children
- Relationship coverage includes:
- Self
- Legally married spouse or live-in partner (same or opposite sex)
- Son, daughter
- Parents-in-law
- Base Sum Insured Options:
INR 10 Lacs, INR 15 Lacs, INR 20 Lacs, INR 25 Lacs, INR 50 Lacs, INR 75 Lacs, INR 1 Crore, INR 2 Crore
Waiting Periods
- Pre-Existing Diseaces Waiting Period (3 Year)
- Specific Diseaces Waiting Period (2 Year)
- Initial Waiting Period (30 days)
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(FAQ) – Aditya Birla Health Insurance
- What is covered?
Coverage includes hospitalization, outpatient treatments, surgeries, critical illnesses, maternity, chronic conditions, and wellness programs, depending on the plan. - How does HealthReturns™ work?
Earn rewards for healthy activities like walking 10,000 steps, which can reduce your premiums. - Can I cover my family?
Yes, up to 2 adults and 4 children, including spouses, live-in partners, and parents-in-law. - What is the waiting period for pre-existing conditions?
36 months (3 years). - Can I renew my policy online?
Yes, renewals can be done through the website or app. - Are maternity benefits included?
Yes, with a 36-month waiting period. - How do I file a claim?
You can file a cashless or reimbursement claim as per the process. - Claim settlement ratio?
96%. - Can I change my coverage during renewal?
Yes, you can adjust coverage and sum insured. - Are there exclusions?
Yes, exclusions include cosmetic surgeries and self-inflicted injuries.
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