Know More about Women’s PCOS Health Insurance Plans


Apr 27 2020


When it comes to analyzing the health insurance plans for women, there are specific ailments that need to be prioritized. Women's health insurance is one such tool that allows women to take care of all the existing medical conditions, i.e., it helps financially in curing some diseases that are specific to women. While a wide range of ailments is covered under health insurance plans for women, this articled discusses the PCOS explicitly.

What is PCOS?

PCOS or Polycystic Ovary Syndrome is primarily a hormonal condition that negatively impacts the chances of a woman to get pregnant. Emanating out of small ovarian cysts, PCOS can have serious health implications in the future. While hormonal imbalances are some of the common concerns, PCOS is also clubbed with physical changes. It is known to cause heart diseases and diabetes at a specific age.

When it comes to selecting the best health insurance plan for women in India, you need to accurately look at the coverage for PCOS, more than anything else. With PCOS causing a hormonal flux inside a person, it is natural for the women bodies to start producing male hormones or androgen, thereby stopping ovulation, causing excessive facial hair growth, or increasing the growth of acne.

Do Indian Health Insurance Plans Cover PCOS?

Targeted health insurance policies for women in India are very less, barring pregnancy insurance and maternity insurance policies. Though, there are a host of policies that cover ailments similar to the PCOS.

Similar to other medical insurance schemes, even the ones used for PCOS coverage obtain credible validations before pushing forth the benefits. What needs to be understood is that this ailment is more of a genetic issue and passed on as a part of the family tree.

Although irregular periods are indicative, the insurer would require the woman to furnish other causes for a more credible claim. However, if a woman needs to find out whether she is suffering from PCOS, it is advisable to be on the lookout for signs like acne, excessive facial hair, weight fluctuations, fertility issues, irregular periods, and more.

Importance of Diagnosis for PCOS

Usually, the doctor asks some critical questions regarding menstrual cycles and other abnormalities before concluding. The BMI level also needs to be checked, followed by lab tests of insulin, blood sugar, and hormonal levels. This diagnosis helps to determine whether PCOS is present or not. On the determination of the same, the premium amount may increase depending on the severity of the disorder.

Treatment Plans and the Role of Insurance

Firstly, it is essential to note that PCOS can mostly be kept under control by opting for regular workout sessions, healthy food choices, weight loss vigils, and minimal to no smoking. Once the relevant health insurance plan is activated, it is necessary to make sure that subsequent diagnosis costs, ultrasound fees, and even medicines are paid for. This is where insurance policies and plan comparisons come into the picture.

For women suffering from PCOS, the follow-up visits to the physicians must be paid for by the insurance plan. The flexibilities, however, can only be achieved if different plans are compared before taking the final call.

The best women's health insurance plan for PCOS is undoubtedly the one that includes medication, diagnosis, and a host of other covers. However, it is advisable to opt for an extended medical canopy that covers PCOS instead of singling out one hormonal ailment that might lead to a host of critical ones in the future.