Is STD Testing and Treatment Covered Under your Health Insurance?

Sexually transmitted diseases commonly known as STDs refers to infections that are transmitted via unprotected sexual contact typically caused by a virus, parasites, or bacteria. Most of the health insurance plans cover STD testing and diagnosis, but the particulars of a given plan may vary based on the provider.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      valid-mobile-number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      If you are experiencing symptoms and want to get tested it is vital to understand the coverage criteria for STDs under your health insurance plan. Whether your plan covers STD testing and treatment is dependent on a plethora of factors such as age, gender, medical history, pregnancy, etc. 

      Very often people are hesitant to get themselves tested for STDs even after experiencing symptoms and discomfort as they are not aware of the cost of testing and treatment. Sometimes, people are not sure whether their health insurance plan provides coverage against STD which results in a reluctance to get tested. If you are looking forward to getting a health insurance plan that covers STDs related expensed it is crucial to compare different plans and providers. 

      Does Health Insurance Cover STDs?

      Yes, in most cases your health insurance plan will cover STDs such as Syphilis, HIV-AIDS, chlamydia, herpes, etc. under the preventive health benefits. However, the specificity of coverage against infection is solely dependent upon the provider and the plan. 

      For the majority of health insurance plans HIV testing for people between the ages of 15-65 is covered. Contrary to this, coverage for gonorrhoea, syphilis, herpes, chlamydia, and other infections might not be covered. Typically, these tests are a part of preventive health benefits provided with health insurance plans. 

      Understanding Differences Between Diagnostic Testing and Preventive Screening

      The coverage offered by your health insurance plan for sexually transmitted diseases will be based on the fact that whether it is a preventive screening measure or a diagnostic testing procedure. Any sort of asymptomatic screening carried out for STDs will be considered as a preventive measure. In other words, screening can be defined as a test carried out on a patient that shows no symptoms of a condition. On the other hand, if the person is experiencing symptoms or discomfort then the scenario changes as the probability of diagnosis increase substantially. 

      The best way to find out whether your provider offers coverage against STD you can read the fine print of the policy or contact your provider via email or phone. Alternatively, you can visit the website to get detailed information about preventive screening services and its coverage under your health plan. 

      Assessing Cost of STD Testing without Health Insurance Plan

      Some of the diagnostic tests carried out are free of cost as they are part of preventive-screening measures. These mainly include syphilis and HIV for men and HIV, syphilis, gonorrhoea, chlamydia for women. As mentioned earlier it is better to check with your provider to get a clear understanding of coverage criteria under your health insurance plan. 

      If you are experiencing symptoms and you visit a medical practitioner for diagnostic testing you will have to bear the expenses if your plan does not offer coverage against STDs. Some of the testing clinics offer a single test for qualifying patients but one needs to present relevant documents. 

      Benefits of STD Coverage

      The primary benefit of STD coverage offered with health insurance plans is that the overall cost of being tested is reduced extensively. If the high cost of the test is a barrier, it is better to get yourself tested with the right insurance plan instead of not getting tested at all. 

      An important point to be kept in consideration is that all health insurance plans do not cover the expenses incurred in testing and treatment of sexually transmitted diseases. Therefore, it is vital to go through the fine print of your health insurance policy.

      How are Tests for STDs Performed?

      The process of diagnostic testing for sexually transmitted diseases varies on the basis of symptoms and indications. Testing for STD might involve any of the below-mentioned processes-

      • Urine Test 
      • Swab Test and Culture
      • Blood Test 
      • Pelvic Examination and Swab Test 
      • Biopsy 
      • Genital Sore Examination 
      • Testing Discharge from affected regions 

      Most of the testing procedures carried out for the diagnosis of STDs are pain-free. However, based on the condition and severity of the infection the procedure may be altered by the medical practitioner. 

      What if I Test Positive?

      If you test positive in any of the diagnostic tests for STDs, you should immediately start seeking treatment for the condition from a specialist. If your insurance plan covers treatment expenses you can choose for cashless payment or reimbursement based on the specifics of your plan. After testing positive it is vital to inform your sexual partner about the diagnosis so that they can get themselves tested and seek the right treatment for the infection.

      Wrapping it Up 

      Last but not the least, you should never let financial constraints prevent you from seeking medical attention. There are numerous methods, tests, and treatments for all kinds of STD, hence, you should never put your health at stake due to economic factors. 

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does HDFC ERGO Health Insurance Cover Dental Treatments?

      22 May 2024

      HDFC ERGO General Insurance Company offers various health
      Read more
      Does Aditya Birla Health Insurance Cover Dental Treatments?

      17 May 2024

      Dental insurance is vital in maintaining oral health by covering
      Read more
      Does Niva Bupa Health Insurance Cover Dental Treatments?

      06 May 2024

      Dental insurance covers regular dental check-ups and treatments to
      Read more
      Surgeries Covered by TATA AIG Health Insurance Plans

      26 Apr 2024

      Amidst the escalating healthcare costs nationwide, managing the
      Read more
      Surgeries Covered by Liberty Health Insurance Plans

      26 Apr 2024

      Liberty General Insurance Limited offers a range of comprehensive
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Zero Waiting Period in Health Insurance Plans
      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
      Read more
      Heart Surgery Cost in India
      Heart diseases are the leading cause of death across the globe. As per a survey by the World Health Organisation
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL