29/08/2026
PRUHealth Edge – Prudential Health Insurance.
Just went through the PRUHealth Edge brochure carefully. There are many features, but these 7 points caught my attention :
1. Healthy Discount – Up to 35%* : By maintaining the daily step count, you can get up to 35% discount on renewal premium.
2. Loyalty Addition Plus – Up to 500%* : 100% of the Base Sum Insured can be added every year, up to a maximum of 500%, irrespective of claims.
3. 2X Protection from Day 1* : With Restoration Plus, you get 2X protection from Day 1. Also, 100% of the Base Sum Insured can be restored unlimited times from the first claim onwards.
4. Unlimited Restoration : 100% of the Base Sum Insured can be restored unlimited times from the second claim onwards, including for the same illness.
5. 15% Premium Discount* : By choosing the Prudential Select Network, you can get 15% premium discount. However, treatment outside this network attracts 20% co-payment.
6. Co-Payment Option* : You can choose a co-payment option to reduce the premium. In this case, a part of the eligible claim amount will be paid by the policyholder.
7. Pre-Post ExpressPay – Up to ₹25,000* : You can receive 10% of the approved inpatient claim amount, up to ₹25,000, towards pre- and post-hospitalisation expenses, without separate bills for these expenses.
My takeaway :
While reading the brochure, I found these features particularly interesting because they focus on higher protection, flexibility and a simpler claims experience.
*Add-ons and conditional benefits are subject to applicable eligibility, limits, terms and conditions. Please refer to the CIS, policy wording and prospectus for complete details.