PRUHealth Signature
GST on health cover2X Cover from Day 1
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Key Features of PRUHealth Signature Insurance Plan
We understand that choosing health coverage is about trust, clarity, and long-term peace of mind. With PRUHealth Signature, we focus on removing uncertainty and supporting you through every stage of care with confidence and reassurance.
Unlimited Restoration
2x Protection from Day 1
Prudential Healthy Discount
Prudential Health Check-up
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
Hospitalisation expenses for planned or emergency admissions are supported up to the sum insured, providing comprehensive coverage during critical healthcare events.
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.
2x cover from Day 1
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.
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
Access advanced treatment methods up to the sum insured, allowing you to benefit from innovative healthcare solutions under your PRUHealth Signature plan.
Mind Care Consultation
Gives you access to professional support for your mental wellbeing, because emotional health deserves care and attention too.
ICU Care
Covers intensive care expenses if you need close medical monitoring or critical support during hospitalisation.
Day Care Treatment
Short-duration medical procedures are covered even without a 24-hour hospital stay, ensuring timely support for minor yet essential treatments.
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.
Second Medical Opinion
You can get one second medical opinion per person in a policy year for greater confidence in important healthcare decisions.
Eligibility Criteria for PRUHealth Signature
To help you move forward with confidence, we have outlined the standard requirements for beginning your journey with us. Understanding these PRUHealth Signature eligibility criteria ensures that you can select the most appropriate level of protection for yourself and your loved ones.
Age Criteria
PRUHealth Signature is designed to support individuals and families at different stages. Adults can enrol from 18 years of age, while children can be added to a family floater policy from as early as 91 days old. Children can typically continue under the family floater until they turn 25, after which they can move to an individual policy based on their healthcare needs.
Medical History Disclosure
To make sure your coverage suits your healthcare needs, you'll need to share details about your medical history during the application process. Providing accurate information helps ensure transparency and can make policy issuance and claims processing smoother in the future.
Health Check-ups
In some cases, you may be asked to undergo a medical check-up before your policy is issued. This helps assess your current health status and ensures that the coverage offered is appropriate for your needs.
Residency Status
PRUHealth Signature is mainly available to residents of India.
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.
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.
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.
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.
Waiting periods in PRUHealth Signature
Understanding waiting periods in your PRUHealth Signature plan helps you avoid unexpected out-of-pocket expenses while keeping premiums affordable and coverage sustainable.
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 Signature
Filing a PRUHealth Signature medical insurance claim is simple and stress-free. Whether it’s a planned hospitalisation or an emergency, the plan ensures timely assistance and smooth claim settlement. Here’s an overview of the claim types and how we support you at every step.
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
