Understanding PCOS
A large number of women of reproductive age are affected by the hormonal disorders known as Polycystic Ovary Syndrome (PCOS) and Polycystic Ovary Disorder (PCOD). When a woman has these conditions, she may experience irregular periods, high androgen levels and filled ovaries which can result in infertility, obesity, diabetes and heart problems. One in five women in India is affected by PCOS, so proper management and financial help are important through health insurance.
Benefits of Health Insurance for PCOS Patients
Why Health Insurance is Essential for PCOS Patients?
PCOS/PCOD is managed by::
- Regular Consultations: Going to gynecologists and endocrinologists often for checkups.
- Tests for Diagnosis: Assays check hormone levels, doctors use ultrasound and do glucose tolerance tests.
- Medication: Many people use hormonal drugs and insulin sensitizers long-term.
- Lifestyle Modifications: Enhancing lifestyle by eating healthier and exercising more.
These ongoing medical needs can be financially taxing. Health insurance plans that cover PCOS/PCOD can alleviate this burden by covering consultations, diagnostics, medications, and in some cases, fertility treatments.
Inclusions in Health Insurance Plans for PCOS
People with PCOS or PCOD in India can get the most out of health insurance if it provides the following:
- PCOS-Related Inpatient Treatment: Treatment in a hospital for PCOS complications is covered.
- Daycare Procedures: Insurance for surgical procedures that do not require patients to be in the hospital overnight.
- Tests Covered: Ultrasounds and tests for hormone levels.
- Periodic Doctor Visits: Regular doctor visits are covered by your outpatient consultations.
- Expenses before and after a hospital stay: Such expenses include those incurred before and after being in the hospital.
- AYUSH Coverage: Alternative treatments provided under Ayurveda, Yoga, Unani, Siddha and Homeopathy are included.
- Teleconsultations: You can see a healthcare provider through the phone or Internet
Exclusions to Be Aware Of
While insurance plans often cover a lot, there can be a few things they don’t include.
- Preexisting Illness: People with preexisting PCOS/PCOD conditions may need to wait 1 to 2 years before their condition is covered by insurance.
- Infertility treatments: Infertility treatments such as IVF might not be offered by most health insurance providers.
- Cosmetic: Facial treatments for acne and body hair issues may be excluded.
- Prescription Treatment: Most non-prescription supplements are not usually included in medical cover.
- Innovative Treatments: The committee may not accept untested drug regimens.
Top 6 Health Insurance Plans for PCOS/PCOD Patients in India
| Insurance Plan | Sum Insured | Entry Age | Waiting Period for PCOS/PCOD |
|---|---|---|---|
| Aditya Birla Activ One Plan | ₹2 Lakh - ₹2 Crore | 18 years onwards | 2 years |
| Bajaj Allianz My Health Care Plan | ₹3 Lakh - ₹5 Crore | 18 - 65 years | 2 years |
| Care Supreme Plan | ₹5 Lakh - ₹1 Crore | 18 years onwards | 2 years |
| HDFC ERGO Optima Secure Plan | ₹5 Lakh - ₹2 Crore | 18 years onwards | 2 years |
| ManipalCigna ProHealth Insurance Plan | ₹2.5 Lakh - ₹1 Crore | 18 years onwards | 2 years |
| Niva Bupa Aspire Plan | ₹3 Lakh - ₹1 Crore | 18 - 65 years | 2 years |
Note: For the first duration after you take your insurance, any claims about PCOS/PCOD from before that date are not allowed. You must read through the policy information or speak with the insurer to gain all the necessary details.
Tips for Choosing the Right Health Insurance Plan
- Evaluate Your Needs: Consider how often you will have doctor visits, if you might need to go to the hospital and the type of tests you might need.
- Waiting Periods: Look at the length of waiting periods before signing up for a plan.
- OPD Benefits: Check OPD benefits if you expect to need many outpatient consultations during the year.
- Sub-limits: Be informed about any restrictions on how much you can pay for rent, personal services or doctor services.
- Network Hospitals: Choose insurers that have access to hospitals you want to use.
Managing PCOS/PCOD Effectively
Managing PCOS/PCOD does not depend only on insurance; you also have to take other steps.
- Sharing Results: Provide test results of hormones and metabolism at least every six months.
- Take your medications as directed by your doctor.
- Healthy habits: Eat nutritious meals and exercise often.
- Deal with Stress: Practice activities to unwind, as stress can change your hormone balance.
Conclusion
PCOS/PCOD may be controlled, but it can still result in expensive medical costs over a period of time. Buying a suitable health insurance policy for these illnesses can save you money and guarantee your access to health care. People can avoid any unexpected costs and choose what is best for them by knowing which conditions are covered under the top plans.