Aditya Birla Health
Activ One NXT
Premium depends on your profile
Health Insurance · head to head
Activ One NXT vs Health Unlimited
Generali Central
Health Unlimited
Sample premium
₹13,006 a year*
Specifications side by side
Spec
Activ One NXT
Health Unlimited
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
7.5 lakh, 10 lakh, 15 lakh, 25 lakh, 50 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)
91 days to 65 years
Room rent
No capping - actuals up to base sum insured
Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above
Co-payment
Nil
20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1
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
—
60 days
Post-hospitalisation
—
90 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
Unlimited Restoration of 100% of base SI from the 2nd claim onwards, for same and different illnesses
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
50% per claim-free policy year, max 100%; reduced by 50% in case of claims
Maternity
Not covered
Not covered for SI 7.5/10 lakh (covered from SI 15 lakh after 36 months)
OPD
—
Covered up to Rs 5,000 (SI 7.5-15 lakh), consultations/diagnostics, 30% co-pay
Premium
Sample annual premium
—
₹13,006
Sample premium is for
—
Age band 26-30, Sum Insured Rs 10,00,000, Zone 1 (highest; Zone 2 = 5% discount), base premium table in brochure, 'Premiums exclusive of Goods & Services Tax'; table not labelled individual/floater (per-member age-band rate); annual
Insurer
Health incurred claim ratio (insurer)
71.5%
95.29%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
5000+
IRDAI UIN
ADIHLIP27048V022627
GCIHLIP26041V012526
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
Health Unlimited
- Con: Co-payment: 20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1