Aditya Birla
Top rated plan
from 5 Insurance plans
Features
What's Included
No room capping
No limit on room rent charges, allowing you to choose any room category
No co-payment
Provides full coverage for claims, ensuring you don't have to pay out-of-pocket for covered expenses.
Day care treatments
Covers medical procedures and surgeries that don't require 24-hour hospitalization such as cataract surgery, chemotherapy, dialysis, etc.
Pre & post-hospitalisation expenses
Covers expenses such as medical tests, medicines, consultation fees incurred 90 days before and upto 180 days after hospitalisation
Road ambulance
Covers road ambulance charges upto the cover amount
AYUSH treatment
Covers in-patient treatment costs for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.
Organ donor expenses
Covers medical expenses for harvesting a major organ from the donor’s body
Modern treatment
Covers modern treatments such as robotic surgeries, stem cell therapy, etc.
Mental illness hospitalization
Covers hospital expenses for mental health issues, including pre- and post-hospitalization, up to the base sum insured. Focus on complete well-being without financial stress.
Home healthcare
Covers medical expenses on cashless basis for home hospitalisation, if advised by the Doctor
Domiciliary hospitalization
Covers home treatment (up to Sum Insured) if a hospital bed isn't available or patient can't be moved—valid if treatment continues for 3+ days.
Lifelong renewability
You can renew your health insurance cover for lifetime, irrespective of age or health conditions
Waiting Periods
Claim process
STEP 1
- 48hrs before a planned hospitalisation
- Within 24hrs of emergency
STEP 2
STEP 3
You'll be notified via email or SMS
STEP 4
About
Aditya Birla Health Insurance, established in 2015, is a leader in wellness-focused health coverage. With innovative offerings like HealthReturns and the Chronic Management Program, ABHI promotes proactive, healthy living for everyone—from fitness enthusiasts to those managing lifestyle conditions. The Active Health App empowers users to take charge of their health journey, making wellness simple, engaging, and rewarding.
Brochure
Download the full policy brochure
FAQs
What are the waiting periods in the Aditya Birla Activ One NXT plan?
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Initial Waiting Period (30 Days):
There is a 30-day waiting period from the start date of the policy during which claims for illnesses are not covered. However, this does not apply to accidental injuries, which are covered from day one. -
Specific Disease Waiting Period:
Certain specified diseases and treatments have a waiting period of 24 months. These conditions are listed in the policy document and will not be covered until this period is completed. -
Pre-existing Disease Waiting Period:
Pre-existing diseases are covered after a waiting period of 36 months, depending on the terms specified in your policy. This applies to medical conditions declared at the time of purchase.
Which hospital room categories can I select under the Aditya Birla Activ One NXT plan?
There is no limit on room rent charges under the Niva Bupa ReAssure 2.0 Titanium+ plan, allowing you to select any room category as per your preference.
