PRUHealth Protect

19Mn+ lives covered globally · 175+ years of Trust
GST on health cover

No Confusion. No Hassle. Easy Health Insurance

Iss liye, PRUHealth Protect Lena Sense Banta Hai !

Prudential Health Check-upSingle Private AC RoomUnlimited Restoration from 2nd claim

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Key features & Highlights of 
PRUHealth Protect

#PRU#Health Protect offers essential health insurance coverage with benefits like hospitalisation cover, Single Private AC Room eligibility, Unlimited Restoration, Prudential Health Check-ups, Virtual Consultations, and flexible add-ons for enhanced protection and peace of mind.

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Restoration

Your Base Sum Insured is restored 100%, even after partial use, unlimited times in a policy year, even for the same illness and the same insured person. 
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Prudential Health Check-up

Our health check-up package is customised by age and gender, including unlimited doctor tele-consultation to help you understand your reports and plan your next steps.
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In-Patient Care

If hospitalisation is needed, approved expenses are covered up to the sum insured, helping you focus on treatment and recovery without any financial stress.
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Single Private AC Room

Enjoy the comfort and privacy of a Single Private AC room during hospitalisation, so you can focus on your recovery.

Health Insurance Plan - Overview

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PRUHealth Protect
Top Features
Unlimited Restoration
Prudential Health Check-up
In-Patient Care
Single Private AC Room

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.

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.

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.

ICU Care

If your health needs closer monitoring or critical support, ICU expenses are covered, helping you receive the intensive medical attention you need without added financial stress.

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.

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.

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.

Loyalty Addition

Rewards you for staying continuously insured by increasing your coverage on renewal, giving you added protection over time.

Eligibility Criteria for
PRUHealth Protect

PRUHealth Protect is available to customers who meet the plan’s eligibility criteria, including age, residency, and medical underwriting requirements. As part of your health insurance application, you may need to provide your medical history and complete any required health assessments. Understanding these requirements upfront can help you choose the right health coverage with confidence.

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Age Criteria

Adults can buy PRUHealth 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. 

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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. 

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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. 

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Residential Status

PRUHealth 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

Day 1 Instant Increase of Cover

Day 1 Instant Increase of Cover

Get extra protection from the day your policy starts by choosing an additional 50%, 100%, 200% or 300% of your base sum insured, helping you feel better prepared from day one.

Hospital Essentials Cover

Hospital Essentials Cover

Helps cover eligible non-medical expenses incurred during treatment, reducing out-of-pocket expenses. 

Child Protect

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.

Loyalty Addition Plus

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.

Annual Aggregate Deductible

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.

Room Rent Modification

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

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.

Prudential Healthy Discount

Prudential Healthy Discount

Your daily effort to stay active can reward you at renewal. Insured members aged 18 and above can earn up to 35% discount on renewal premium based on the number of healthy days completed during the policy year.

Personal Accident Cover

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

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.

Cancer Guard

Cancer Guard

Get an additional sum insured equal to your base sum insured for inpatient cancer treatment, giving you extra support for specialized care.

Waiting period in PRUHealth Protect

Understanding the PRUHealth Protect waiting period is essential to ensure your insurance plans are active when you need them most.

The initial period

When coverage begins, there is a standard 30-day waiting period for illnesses. This helps the policy settle in before regular claims start. However, emergencies do not wait. Accidents are covered from day one, so support is available when it is needed most.

Pre-existing disease waiting period

Ongoing conditions like diabetes or hypertension that exist before buying the policy are covered after 3 years waiting period. 

Specific disease waiting period

Certain planned or non-emergency treatments like cataracts, hernia, or joint replacements come with a fixed 2 years waiting period. This ensures the policy remains fair for all, while still covering these treatments once the period is completed.

Accidental Injuries

Accidents are unpredictable, which is why coverage for accidental injuries starts from Day 1 with no waiting period. Whether it is a fall, fracture, burn, or any covered accidental injury, PRUHealth provides immediate protection when you need it most.

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.

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Brochure
Download the Brochure to understand the plan
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Claim Form
Download the Form
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Policy Wordings
Download Policy Wordings
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Prospectus
Download Prospectus

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Our total health approach

We strive to deliver seamless experience by alleviating customer anxieties and building journeys that truly empathize with the customer.

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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.

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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 Protect Insurance 
During a medical situation, your priority should be getting the right treatment and focusing on your recovery. The PRUHealth Protect claim process is designed to be simple, supportive, and easy to understand, whether you receive treatment at a network hospital or any other hospital.
Choose a Network Hospital
Get treatment at any hospital that is part of the Prudential Network.
Inform Us in Advance
If your treatment is planned, please inform us at least 48 hours before hospital admission. In case of emergency hospitalisation, notify us within 24 hours of admission.
At the Hospital
When you are admitted, simply show your Health Card at the hospital's insurance or help desk.
Approval Process
The hospital will send a pre-authorisation request to our claims service provider, also known as the TPA, for approval.
Smooth Discharge
Eligible and covered expenses are paid directly to the hospital. Any non-medical or non-payable expenses that are not covered under your plan will need to be paid separately.
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