PRUHealth Edge
GST on health cover Health insurance for your family's evolving health needs
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Key Features of PRUHealth Edge Insurance Plan
Every feature of PRUHealth Edge is designed for families who want more from their health insurance than just hospitalisation cover.
Prudential Health Check-up
Unlimited Restoration
Loyalty Addition
Modern Treatments
Health Insurance Plan - Overview
Understanding your Policy
To provide you with total transparency, we have outlined exactly how your plan coverage acts as your shield and where the boundaries of the policy lie.
In-Patient Care
PRUHealth Edge medical insurance covers hospitalisation expenses up to the sum insured, supporting you through planned or emergency admissions requiring continuous medical supervision.
Room Rent Eligibility
You can choose any room except suite, giving you flexibility and comfort during hospitalisation.
Unlimited Restoration
Refills your sum insured unlimited number of times, helping you stay protected for future claims in the same year.
Prudential Health Check-up
Get age and gender customised health check-ups that support preventive care, followed by a doctor consultation to help you understand your reports and take the right steps for your wellbeing.
Loyalty Addition
Rewards you for staying continuously insured by increasing your coverage on renewal, giving you added protection over time.
Modern Treatments
Advanced procedures, such as robotic surgeries, stem cell therapy, oral chemotherapy, and deep brain stimulation, are included to give access to cutting-edge healthcare.
Mind Care Consultation
Gives you access to professional support for your mental wellbeing, because emotional health deserves care and attention too.
Pre-hospitalisation Medical Expenses
Medical expenses for 60 days before hospitalisation are covered up to the sum insured, helping you manage treatment-related costs before admission.
Post-hospitalisation Medical Expenses
Medical expenses for 180 days after hospitalisation are covered up to the sum insured, supporting your recovery even after discharge.
ICU Care
Covers intensive care expenses if you need close medical monitoring or critical support during hospitalisation.
Day Care Treatment
All eligible day care procedures are covered, even without a 24-hour hospital stay, ensuring access to advanced treatments with faster recovery and reduced disruption.
Organ Donor Cover
Medical expenses related to organ donation are supported up to the sum insured, protecting both donor and recipient care.
AYUSH Cover
Covers inpatient treatment under recognised systems such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy at approved facilities.
Domiciliary Hospitalisation
Treatment taken at home due to medical necessity is covered up to the sum insured, offering flexibility when hospital admission is not feasible.
Road Ambulance
Within the network, road ambulance cover is available up to the sum insured. Outside the network, it is covered up to ₹5,000 per hospitalisation.
Eligibility Criteria for PRUHealth Edge
Eligibility details help you understand who can be covered under PRUHealth Edge and what information may be needed at the time of application.
Age Criteria
Adults can buy PRUHealth Edge from 18 years of age. Children can be covered under a family floater plan from 91 days onwards, making it easier to keep the whole family under one policy. Dependent children can usually remain covered under the family floater up to 25 years of age, after which they can choose an individual health insurance plan.
Medical History Disclosure
When applying for the policy, it's important to share your medical history honestly and completely. This helps us offer the right cover for your needs and makes the claims process easier when you need support.
Health Check-ups
Based on the application details, a medical check-up may be required. This helps assess your current health status and ensures the coverage terms offered are suitable and fair.
Residency Status
PRUHealth Edge is available to individuals and families living in India. Whether you're looking for health insurance for yourself or your loved ones, the plan is designed to support your healthcare needs with comprehensive coverage, access to quality care, and benefits that help you through treatment, recovery, and everyday health management.
Optional Add-Ons Covers
Hospital Essentials Cover
Helps cover eligible non-medical expenses incurred during treatment, reducing out-of-pocket expenses.
Child Protect
Keeps your children’s health cover going. If either covered parent suffers accidental death or a listed critical illness, renewal base premiums for covered children are waived for up to 5 years or until age 18, whichever is earlier.
Pre-Post ExpressPay
Get quick support for pre and post-hospitalisation expenses without separate bills or extra paperwork. Receive 10% of your approved inpatient claim amount, up to ₹25,000, to help cover these expenses.
Cashless OPD
Covers outpatient expenses such as doctor consultations, diagnostic tests, and prescribed medicines within the Prudential network.
Chronic Care QuickStart
Get hospitalisation cover from Day 31 for up to 3 selected chronic conditions, including diabetes, hyperlipidaemia, hypertension, obesity or asthma.
Chronic Management Program
Managing a chronic condition becomes easier when the right support is within reach. This cover gives you cashless access to doctor consultations, diagnostic tests, and ongoing support through a partner network for the chronic conditions selected by you.
Loyalty Addition Plus
Your coverage grows by 100% of the Base Sum Insured at every renewal, up to 500%, giving you higher protection at the same cost.
Restoration Plus
Get 2X protection from Day 1. Restoration starts from your very first claim, giving you access to up to twice your Base Sum Insured in a single hospitalisation.
Cancer Guard
Get an additional sum insured equal to your base sum insured for inpatient cancer treatment, giving you extra support for specialized care.
Personal Accident Cover
Get a lump-sum payout if an accident leads to death, permanent total disability or permanent partial disability, providing financial support for you and your family when it matters most.
Critical Illness Cover
Get a lump-sum payout on the first diagnosis of any of the 25 specified critical illnesses, helping you manage treatment and other related expenses.
Co-payment
Offers flexibility to lower premiums by selecting suitable co-payment levels.
Room Rent Modification
You can select a lower room category to bring down your premium, while keeping your hospitalisation cover aligned to your budget.
Prudential Select Network
You can lower your premium by choosing treatment within the Prudential Select Network. This option gives you a 15% premium discount, while a 20% co-payment applies on every claim if treatment is taken outside Prudential Select Network hospitals.
Annual Aggregate Deductible
Choose an annual deductible between ₹25,000 and ₹5 lakh per policy year, based on what you are comfortable with, to help lower your premium.
Waiting Periods in PRUHealth Edge Insurance
To avoid unexpected out-of-pocket expenses, it is important to understand the waiting periods under your PRUHealth Edge insurance. These standard timelines help keep your PRUHealth Edge premium affordable while ensuring reliable and sustainable coverage over the long term.
Your Essential Policy Toolkit
Having the right information at your fingertips brings a sense of calm and certainty when it matters most. These resources are designed to provide absolute clarity on your coverage, ensuring you and your family always feel fully informed and protected.
Our total health approach
We strive to deliver seamless experience by alleviating customer anxieties and building journeys that truly empathize with the customer.
Our end-to-end assurance
We aim to build customised transformative solutions that address the ever-evolving health insurance needs of Indian customers powered by innovation and technology.
Our human touch
We plan to invest in developing capable, service-driven teams across our ecosystem - from employees to agents and partners, ensuring every customer interaction reflects respect, transparency, and simplicity.
Claim Process for PRUHealth Edge
Filing a PRUHealth Edge claim is designed to make your healthcare journey smooth and stress-free. Whether it’s a planned hospitalisation or an emergency, the PRUHealth Edge medical insurance ensures timely support and hassle-free settlement. Here’s a breakdown of the different claim types and step-by-step guidance.
Our Network
Our strong hospital network really makes a difference when you need care the most. With thousands of trusted partner hospitals spread right across India, you can get quick cashless treatment nearby without the worry of huge upfront bills. It gives you real peace of mind, knowing help is close at hand whenever life throws a curveball.
12,000+
Hospitals
Frequently asked Questions
