Aditya Birla Health
Activ One NXT
Premium depends on your profile
Health Insurance · head to head
Activ One NXT vs Galaxy Marvel - Neo Plan
Galaxy Health
Galaxy Marvel - Neo Plan
Sample premium
₹6,973 a year*
Specifications side by side
Spec
Activ One NXT
Galaxy Marvel - Neo Plan
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 1 crore, 2 crore
Highest sum insured
200 lakh
200 lakh
Entry age
From 18 years (adult); 91 days (dependent child, floater/multi-individual); 5 years (individual policy) (no maximum stated)
From 16 days (individual / dependent children); 18 years (floater adults) (no maximum stated)
Room rent
No capping - actuals up to base sum insured
Any Room
Co-payment
Nil
No Co-payment
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
—
90 days
Post-hospitalisation
—
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Super Reload: 2X Sum Insured from Day 1 and unlimited refills up to 100% of base Sum Insured from 2nd claim in a policy year
Automatic Restoration, unlimited, applicable for same disease / different diseases
No-claim bonus
Not in base NXT; optional Super Credit: 100% of SI per year up to 500% of Base SI (max Rs 3 crore), irrespective of claims
Bonus of 100% of SI if no claim in previous policy year or 25% of SI if a claim; applicable once during the policy year, not cumulative
Maternity
Not covered
Optional cover: Delivery Expense up to Rs 2 Lakhs (normal or caesarean)
OPD
—
Optional Outpatient Benefit (Silver/Gold/Platinum/Diamond, up to Rs 16,000)
Premium
Sample annual premium
—
₹6,973
Sample premium is for
—
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Neo Plan, Zone A, gross premium excluding tax
Insurer
Health incurred claim ratio (insurer)
71.5%
—
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
—
IRDAI UIN
ADIHLIP27048V022627
GHIHLIP26042V012526
A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.
Pros and cons
Activ One NXT
- Pro: No co-payment on claims
- Pro: No room-rent cap
Galaxy Marvel - Neo Plan
- Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
- Pro: No co-payment on claims
- Pro: No room-rent cap