Aditya Birla Activ One NXT Plan (2025) – Everything You Need to Know
By the year 2025, health insurance will be about more than just emergency hospital costs, it is about taking charge of health, customized wellness, and resilience that lasts over time. It is with these contemporary needs that the Aditya Birla Activ One NXT is constructed. It does not only protect you when you are ill, it accompanies you when you are healthy and reminds you of the need to make a better lifestyle and reward your efforts.
It can be used by busy young professionals, family heads who want the whole family to have protection, and individuals with chronic conditions who can find customised support. Activ One NXT is all about being ahead of illness and owning your health process; whether it is OPD visits or chronic illness management, starting Day 1.
What is Activ one NXT?
Activ One NXT is the brand flagship product of Aditya Birla Health Insurance as an individual and family health insurance product. Activ One NXT initiates its promise on Day 1 unlike conventional policies where, a policy holder has to wait until something goes wrong even with chronic diseases such as diabetes, high blood pressure, and asthma.
It is accompanied by a great package of wellness, hospitalization, and post-recovery benefits. It comes in different versions in terms of plan (such as Value, Prime, and Apex) and can be availed by the first-time health insurance purchasers as well as those individuals who are renewing their cover.
How Activ One NXT is a Sensible Selection in 2025
- Chronic illnesses that include asthma, diabetes, cholesterol, and hypertension will be covered during day 1
- Unlimited visits and diagnostics guidance of doctor (according to the variant)
- Certified Diet, fitness and prevention wellness coaching
- 100 percent HealthReturns ™ - get up to 100 percent back of your premium when you are healthy
- OPD, diagnostics and pharmacy discounts
- No restriction in the rent of rooms in variants that are higher
- On unlimited sum insured coverage of unrelated illnesses
- Use of modern treatment coverage such as robotic surgery, stem cell treatment etc.
- Day 1- Annual health check-ups
- Newborn and maternity insurance (on a few variants)
- Counseling and mental support services
- Cashless treatment in 11,000 plus hospitals throughout India
HealthReturns TM Fitness Payoffs
Activ One NXT thinks that the health insurance ought to recompense you in case you take satisfactory decisions. This is where the HealthReturns 10 comes in.
Under this program:
- You get perks every month in the form of reward to trace fitness, steps or physical activity (Active Dayz 30)
- An additional point is given when you talk to your wellness coach and do some assessments
- With time you will be able to cash back all your base premium to the tune of 100 percent
These returns may be utilized to:
- Future premium payment
- Purchase drugs or laboratory studies
- Establish an emergency fund on healthcare costs
It is the environment in which insurance is not the next day, it is your healthy habit.
What Does Activ One NXT Include?
Activ One NXT cares about unexpected and expected healthcare needs based on personalization.
And here is a sample of what it covers:
- In-patient hospitalization: All expenses on a stay in hospital room, nursing, ICU, medicines and treatments
- Pre & post-hospitalization costs: It is covered up to 60-90 days depending on the variant
- OPD and diagnostics: paid to specified limits or not limited with the Apex variant
- Chronic care management: Enrolling in chronic management program of such diseases as diabetes, hypertension, cholesterol
- Doctor consultations: both online and offline as Day 1
- Maternity and newborn cover: Coverage after waiting on special plans
- Annual check-up: CBC, lipid profile, ECG, liver/ kidney tests starting Day 1
- Mental wellness: Availability to mental healthcare and services
- Costs of organ donors: Full coverage in terms of concerned variants
- Contemporary and AYUSH therapy: Laser, robotic, Ayurvedic, homeopathic medicine was provided
How to enrol in Activ One NXT?
- Select Your Sum Insured: Select 5L, 10L, 20L and above as per variant.
- Select Plan Type: Value is best to get the basic cover, Prime to get the cover of mid-range, and Apex to get the high graded features.
- Proposal Form: State your health status. Medical tests normally omitted in younger age groups.
- Tenure: 1, 2 or 3 years. Policies on a multi-year basis are more beneficial.
- Pay and Download E-Card: Get 11,000+ hospitals to avail a cashless treatment within the first day.
Who Is This Plan Suitable To?
- Salaried professionals who are also young and want a long term health security with wellness benefits
- Families in the city, who care about fitness, digital OPD, mental health, and cashless care
- Individuals with lifestyle diseases required to receive Day 1 cover
- People who want to save on taxes + gain rewards of healthy lifestyles
- Frequent flyers or international residents requiring a smooth, intelligent and mobile-compatible health cover
Premium Chart for Activ One NXT (Indicative – 2025)
| Age Band | ₹5 Lakh Cover | ₹10 Lakh Cover | ₹20 Lakh Cover |
|---|---|---|---|
| 25 – 30 years | ₹6,000 – ₹7,500 | ₹9,000 – ₹11,000 | ₹13,000 – ₹16,500 |
| 31 – 35 years | ₹6,800 – ₹8,600 | ₹10,200 – ₹12,500 | ₹14,500 – ₹18,000 |
| 36 – 40 years | ₹8,200 – ₹9,500 | ₹12,200 – ₹14,500 | ₹17,500 – ₹21,000 |
| 41 – 45 years | ₹9,800 – ₹11,500 | ₹14,800 – ₹17,800 | ₹21,500 – ₹26,000 |
| 46 – 50 years | ₹12,000 – ₹14,200 | ₹17,500 – ₹20,800 | ₹25,000 – ₹30,500 |
| 51 – 55 years | ₹14,500 – ₹17,000 | ₹21,200 – ₹24,800 | ₹30,500 – ₹36,000 |
| 56 – 60 years | ₹16,800 – ₹19,500 | ₹24,500 – ₹28,500 | ₹35,000 – ₹42,000 |
| 60+ years | ₹20,000 – ₹24,000 | ₹29,000 – ₹34,500 | ₹40,000 – ₹48,500 |
FAQ on Activ One NXT
Will Activ One NXT work with diabetes or high BP?
Yes. Chronic illnesses such as diabetes, hypertension, and cholesterol are covered on day 1.
Is there a restriction to room rent or selection of hospital?
No restriction in Apex of room rents. The other variants also have indulgent limits.
Does OPD come under it?
Yes. Prime and Apex versions have a defined OPD reimbursements. There are also discounts.
But what happens when I do not make a claim?
You have No Claim Bonus (your coverage gets increased) and you can get HealthReturns.
Will this plan be sold online?
Yes. The process is fast, electronic and completely online.
Final Thoughts
It is an age when our health is being influenced as much by our habits as it is by the accidents, and Activ One NXT by Aditya Birla Health Insurance Company is the type of insurance that comes to suit the age. It does not only pay when we become sick but also instructs, coaches and recompenses us when we are not sick.
You are in your 20s or in your 40s, or even reaching your retirement age, this plan is a long-term friend to your health, to the safety of your family and your financial security. In 2025, insurance is not reactive anymore. Activ One NXT is proactive, smart and personal.