Aditya Birla
Activ One (NXT)
Plan & insurer snapshot
✅ Claims (No.)
94.09%
Latest disclosed settlement ratio by number of claims.
❌ Rejection Ratio
3.98%
Lower is generally better for policyholders.
🏥 Cashless Hospitals
11,000+
Reported size of network hospitals.
💬 Complaints
0.16%
Complaint incidence on claims experience.
✨ Expert Verdict
Activ One (NXT) is a health insurance plan from Aditya Birla. Review policy wording and add-on details before final purchase.
Pros
- No room rent cap for standard hospitalization.Standout
- No co-pay requirement under base policy.
- No disease-wise sub-limit in core cover.
- Refill benefit available (Unlimited times in a policy year).
- Modern treatment procedures are covered.
- Day-care procedures are included in coverage.
Cons
- Policy terms and add-ons should be reviewed before purchase.
Key Features
Room Rent
No limit
Co-Pay
No
Disease Sub-limit
No
Pre-Hospitalisation
90 days (Covered up to: sum insured)
Post-Hospitalisation
180 days (Covered up to: sum insured)
Refill Trigger
Partial exhaustion of Sum Insured & Bonus
Waiting Periods
Initial Waiting Period
30
Specific Disease Waiting
2
Pre-existing Disease Waiting
3