PRUHealth Protect

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PRUHealth Protect

PRUHealth Protect is a health insurance plan that helps you stay prepared for hospitalisation, treatment, and recovery.It gives your family financial protection without making health insurance feel complicated.

In-Patient Care

Single Private AC Room

Prudential Health Check-up

Unlimited Restoration

Health insurance for your family's evolving health needs
Find the right plan in just a few steps.
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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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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.
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Prudential Health Check-up

Keep track of your health with personalised check-ups based on your age and gender. Plus, get a free doctor consultation to help you understand your reports and make informed health decisions.
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Restoration

Your base sum insured is restored by 100% unlimited times in the same policy year from the second claim onwards, even for the same illness.

Health Insurance Plan - Overview

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

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.

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. 

Loyalty Addition

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

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.

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.

Mind Care Consultation

Gives you access to professional support for your mental wellbeing, because emotional health deserves care and attention too.

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.

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

PRUHealth Protect offers simple and reliable health insurance coverage for individuals and families at different stages of life. Adults and eligible dependent children can be covered, subject to the plan’s age limits and policy terms.

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Medical History Disclosure

To help ensure your cover is suitable for your healthcare needs, you will be asked to share your medical history during the application process. Providing complete and accurate information helps maintain transparency and can make policy issuance and future claims processing smoother.

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Health Check-ups

Before your policy is issued, you may be asked to undergo a medical check-up in certain cases. This helps us understand your current health status and supports offering coverage that is appropriate for your needs.

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Residential Status

PRUHealth Protect is exclusively available for residents of India.

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.

Loyalty Addition Plus

Loyalty Addition Plus

On renewal, your cover increases by 100% of the base sum insured every year, up to 500%, so you continue to have higher coverage at the same cost.

Hospital Essentials Cover

Hospital Essentials Cover

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

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.

Child Protect

Child Protect

Helps your child’s health cover continue if an unforeseen event affects the parent. In case of accidental death or critical illness of the parent, the child’s base premium is waived for up to 5 renewal years or until the child turns 18.

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.

Critical Illness Cover

Critical Illness Cover

Receive a lump sum payout upon diagnosis of a covered critical illness, with coverage options ranging from ₹10 lakh to ₹1 crore. 

Personal Accident Cover

Personal Accident Cover

Offers added financial support if an accident leads to accidental death or specified disability. The fixed benefit amount is paid as per the policy schedule, helping you and your family feel more financially prepared for unexpected situations.

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 most illnesses. This helps the policy settle in before regular claims start. However, emergencies don’t wait - accidents are covered from day one, so support is available when it’s needed most.

Pre-existing disease waiting period

Ongoing conditions like diabetes or hypertension that exist before buying the policy are covered after a 3 years waiting period. To make this easier, there’s an option to reduce this waiting time with an additional premium, allowing earlier access to coverage.

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’s a fall, fracture, burn, or any covered accidental injury, PRUHealth Edge 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
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Policy Wordings
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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