PRUHealth Signature

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PRUHealth Signature

PRUHealth Signature is a health insurance plan that grows with your family, with cover and benefits designed to support you before, during, and after a health issue.

Pre-Post ExpressPay

Cashless OPD Cover

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 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.

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2x Protection from Day 1

Your base sum insured can be restored unlimited times in a policy year from the first claim onwards, including for the same illness
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Prudential Healthy Discount

Earn upto 35% discount on premium during renewal by continuing daily step count.
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Prudential Health Check-up

Stay proactive about your health with enhanced annual health check-up packages designed around your age and gender, along with doctor guidance to help you understand your reports better.
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Loyalty Addition

Your cover grows by 100% of the base sum insured every year, up to 500%, irrespective of claims.

Health Insurance Plan - Overview

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PRUHealth Signature
Top Features
Pre-Post ExpressPay
Cashless OPD Cover
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.

In-Patient Care

Hospitalisation expenses for planned or emergency admissions are supported up to the sum insured, providing comprehensive coverage during critical healthcare events.

Day Care Treatment

Short-duration medical procedures are covered even without a 24-hour hospital stay, ensuring timely support for minor yet essential treatments.

Modern Treatments

Access advanced treatment methods up to the sum insured, allowing you to benefit from innovative healthcare solutions under your PRUHealth Signature plan.

Organ Donor Cover

Medical expenses related to organ donation are supported up to the sum insured, protecting both donor and recipient care.

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.

ICU Care

Covers intensive care expenses if you need close medical monitoring or critical support during hospitalisation.

Room Rent Eligibility

You can choose any room except suite, giving you flexibility and comfort during hospitalisation.

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.

Unlimited Restoration

Refills your sum insured unlimited number of times, helping you stay protected for future claims in the same year. 

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.

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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.

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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.

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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.

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Residency Status

PRUHealth Signature is mainly available to residents of India.

Optional Add-Ons Covers

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.

Hospital Essentials Cover

Hospital Essentials Cover

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

Cashless OPD

Cashless OPD

Covers outpatient expenses such as doctor consultations, diagnostic tests, and prescribed medicines within the Prudential network. 

Pre-Post ExpressPay

Pre-Post ExpressPay

Gives you quick support for expenses around hospitalisation without separate bills or extra paperwork. You get 10% of your approved inpatient claim amount, up to ₹25,000, to help cover pre and post-hospitalisation expenses.

Chronic Management Program

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.

Chronic Care QuickStart

Chronic Care QuickStart

Shortens the waiting period for listed chronic conditions to just 30 days. 

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.

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.

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. 

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.

Co-payment

Co-payment

Offers flexibility to lower premiums by selecting suitable co-payment levels. 

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.

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.

Initial Waiting 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 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
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 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. 

Choose a Network Hospital
Visit any hospital that is part of the Prudential Network Hospitals.
Inform Us in Advance
For planned procedures, inform us at least 48 hours before admission. In case of an emergency, notify us within 24 hours of hospitalisation.
At the Hospital 
Show your Health Card at the hospital’s help desk at the time of admission. 
Approval Process
The hospital will raise a pre-authorisation request with our claims service provider, also known as the TPA, for approval. 
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.
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Frequently  asked 
Questions