Aditya Birla Health
Activ One NXT
Premium depends on your profile
Health Insurance · head to head
Activ One NXT vs Health Premier
Zurich Kotak
Health Premier
Premium depends on your profile
Specifications side by side
Spec
Activ One NXT
Health Premier
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
2 lakh, 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 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 91 days (no maximum stated)
Room rent
No capping - actuals up to base sum insured
No cap unless optional 'Cap on Room Rent' is opted (1% of base SI non-ICU, 2% ICU)
Co-payment
Nil
Zone-based: 10% or 20% when treated in a higher zone than the zone paid for
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
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
100% restoration of the Base Sum Insured once in a policy year
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
10% of the Base Sum Insured for each renewal up to a maximum of 50% or 100% as per plan; no reduction in case of a claim
Maternity
Not covered
Optional (with 3 year waiting period) on Edge and higher plans; Not Available on Standard and Advantage
Insurer
Health incurred claim ratio (insurer)
71.5%
70.69%
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)
—
22600+
IRDAI UIN
ADIHLIP27048V022627
ZUKHLIP25054V052425
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 Premier
- Pro: No room-rent cap