Health Insurance for PCOS & PCOD – Coverage for Women's Health

What is PCOS?

PCOS, or polycystic ovary syndrome, is a common hormonal condition in women that occurs when both ovaries develop many large fluid-filled sacs or cysts. This results in the production of high levels of androgens in the body and a lack of ovulation. PCOS can lead to no menstrual periods or periods that last for many days.

Besides irregular periods and hormonal imbalances, PCOS can also lead to excess hair growth, acne and infertility. Moreover, people with PCOS have a higher chance of developing lifestyle conditions like diabetes and hypertension. Although PCOS cannot be cured, its symptoms can be managed with medicines to prevent health problems.

What is PCOD?

PCOD, or polycystic ovarian disease, is a common medical condition in women in which the ovaries produce multiple immature or only partially mature eggs. These eggs develop into small cysts over time, leading to swelling of the ovaries and secreting high levels of androgens in the body. PCOD can lead to irregular periods, abdominal weight gain, hair loss and infertility.

Untreated PCOD can lead to chronic diseases like heart diseases, diabetes, obesity and high cholesterol. However, PCOD can be easily managed with a few lifestyle and diet changes.

Symptoms of PCOS/PCOD

Here are some of the most common symptoms of PCOS and PCOD:

Symptoms of PCOS	Symptoms of PCOD
Irregular, heavy, very light or long periods Acne or oily skin Excessive hair growth on the face and body Weight gain, especially on the belly Infertility Hair thinning or male-pattern baldness Skin tags or extra skin on neck or armpits Dark skin patches in the armpits, necks and under the breast	Irregular or delayed periods Excess facial and body hair growth Weight gain, mainly in the abdomen Difficulty getting pregnant Hair loss or hair thinning Acne or oily skin Male-pattern baldness Fatigue

Who Should Buy Health Insurance for PCOS/PCOD?

The following women must buy a health insurance policy for PCOS/PCOD:

Women with a family history of PCOS or PCOD
Overweight women
Women with a family history of type 2 diabetes
Women living a sedentary lifestyle
Women with poor eating habits
Women in their childbearing age, i.e. 12 to 45 years old

Benefits of Buying Health Insurance for PCOS/PCOD in India

Check out some of the key benefits of buying health insurance for PCOS/PCOD in India:

Major Prevalence of PCOS/PCOD in India

PCOS and PCOD have a high incidence in India. As per reports, 1 in 5 women in India suffer from PCOS. Moreover, around 9% to 22% of Indian women suffer from PCOD. The likelihood of more women developing these health conditions is high. By buying a mediclaim policy, women can stay financially prepared for any potential medical expenses resulting from PCOS/PCOD in future.
High Treatment Cost

The cost of treating PCOS or PCOD in India can be high. As per reports, the treatment cost of PCOS/PCOD can range from ₹20,000 to ₹50,000, depending on the hospital and the city. Even without surgery, the cost of frequent visits to the doctor, diagnostic tests and medications can create a financial burden over time. Health insurance for women can help women cover their treatment expenses without depleting their savings.

List of Health Insurance for PCOS/PCOD in India

Take a look at the list of health insurance plans for PCOS/PCOD available in India:

Health Insurance Plans for PCOS/PCOD	Sum Insured (₹)	Entry Age	Waiting Period
Aditya Birla Activ One Plan	2 lakh to 2 crore	Adult: 18 years onwards Child: 91 days to 25 years	2 years
Bajaj Allianz My Health Care Plan	3 lakh to 5 crore	Adult: 18 to 65 years Child: 91 days to 30 years	2 years
Care Supreme Plan	5 lakh to 1 crore	Adult: 18 years onwards Child: 91 days to 24 years	2 years
Cholamandalam Flexi Health Supreme Plan	50,000 to 5 crore	Adult: 18 to 75 years Child: 91 days to 26 years	2 years
Digit Health Insurance Plan	2 lakh to 3 crore	Adult: 18 years onwards Child: 91 days onwards	Up to 2 years
Future Generali Health Absolute Plan	3 lakh to 1 crore	Adult: 18 years onwards Child: 1 day to 25 years	2 years
Galaxy Promise Plan	3 lakh to 1 crore	Adult: 18 to 65 years Child: 16 days to 25 years	1.5 years, 2 years
HDFC ERGO Optima Secure Plan	5 lakh to 2 crore	Adult: 18 years onwards Child: 91 days to 25 years	2 years
ICICI Lombard Elevate Plan	5 lakh onwards	Adult: 18 to 125 years Child: 91 days to 30 years	2 years
IFFCO Tokio Family Health Protector Plan	1.5 lakh to 30 lakh	Adult: 18 to 65 years Child: 1 day onwards	2 years
Liberty Health Prime Connect Plan	10 lakh to 1 crore	Adult: 18 to 65 years Child: 91 days to 25 years	1 year
Magma HDI OneHealth Insurance Plan	2 lakh to 3 crore	Adult: 18 years onwards Child: 91 days to 25 years	2 years
ManipalCigna ProHealth Insurance Plan	2.5 lakh to 1 crore	Adult: 18 years onwards Child: 91 days to 23 years	2 years
National Parivar Mediclaim Plus Plan	6 lakh to 50 lakh	Adult: 18 to 65 years Child: 91 days to 25 years	2 years
New India Assurance Floater Mediclaim Plan	2 lakh to 15 lakh	Adult: 18 to 65 years Child: 91 days to 25 years	2 years
Niva Bupa Aspire Plan	3 lakh to 1 crore	Adult: 18 to 65 years Child: 1 day onwards	2 years
Oriental Happy Family Floater Plan	1 lakh to 50 lakh	Adult: 18 to 65 years Child: 1 day to 25 years	1 year
Raheja QBE Health QuBE Plan	1 lakh to 50 lakh	Adult: 18 to 65 years Child: 91 days to 25 years	2 years
Reliance Health Infinity Plan	3 Lakh to 5 crore	Adult: 18 to 65 years Child: 91 days to 30 years	2 years
Royal Sundaram Lifeline Plan	2 lakh to 1.5 crore	Adult: 18 years onwards Child: 91 days to 25 years	2 years
SBI Super Health Insurance Plan	3 lakh to 2 crore	Adult: 18 to 65 years Child: 91 days to 30 years	1 year, 2 years
Star Super Star Plan	5 lakh onwards	Adult: 18 years onwards Child: 91 days to 25 years	2 years
Tata AIG Medicare Select Plan	5 lakh to 3 crore	Adult: 18 years onwards Child: 1 day to 25 years	2 years
United India Family MediCare Plan	3 lakh to 25 lakh	Adult: 18 to 65 years Child: 91 days to 25 years	2 years
Universal Sompo Complete Healthcare Insurance Plan	1 lakh to 50 lakh	Adult: 18 to 75 years Child: 91 days to 25 years	1 year
Zuno Health Insurance Plan	1 lakh to 1 crore	Adult: 18 years onwards Child: 91 days to 25 years	2 years
Zurich Kotak Health Premier Plan	2 lakh to 2 crore	Adult: 18 years onwards Child: 91 days to 25 years	2 years

See more plans

Inclusions of Health Insurance for PCOS/PCOD

Health insurance for PCOD/PCOS includes the following coverage:

In-patient treatments
Day care procedures
Teleconsultations
PCOD/PCOS diagnostic tests
Consumables cover
Pre-hospitalization expenses
OPD treatments
Post-hospitalization expenses
AYUSH treatments
PCOD/PCOS support program
Hospital daily cash benefit

Note: The coverage may vary from one health insurance plan for PCOS/PCOD to another.

Exclusions of Health Insurance for PCOS/PCOD

Health insurance for PCOS/PCOD comes with the following exclusions:

Dietary supplements and substances
Obesity and weight-control treatments
Sterility and infertility
Non-allopathic treatments, except AYUSH treatments
Unproven treatments

Tips to Manage PCOS/PCOD

Here are a few tips for managing PCOS/PCOD:

Maintain a healthy diet rich in protein and fibre.
Limit the intake of food that is high in carbohydrates and sugar.
Maintain a healthy body weight as it can lower androgen and insulin levels.
Stay active and exercise regularly, such as strength training, HIIT training, etc.
Manage stress levels by practising yoga and meditation.
Take all the medicines on time.

Health Insurance for PCOS/PCOD: FAQs

Q1. Is PCOS covered by insurance in India?

Ans: Yes. PCOS, or polycystic ovary syndrome, is covered by most health insurance plans in India. However, a waiting period of up to 2 years may apply, depending on the plan.
Q2. Is PCOD covered in health insurance?

Ans: Yes. Most health insurance plans in India cover the treatment cost of PCOD or polycystic ovarian disease.
Q3. Does insurance cover PCOS treatment?

Ans: Yes. Most health insurance plans in India cover the cost of PCOS treatment.
Q4. Does PCOS count as a pre-existing condition?

Ans: Yes. If you have been diagnosed with PCOS before buying the policy, it will be considered a pre-existing condition. Hence, the insurer may offer you a health insurance policy that may cover PCOS after a PED waiting period of up to 3 years.
Q5. Does insurance cover ultrasound for PCOS?

Ans: Yes. Many health insurance plans cover the cost of an ultrasound for PCOS.
Q6. Is PCOS treatment expensive?

Ans: PCOS may require you to visit the gynaecologist regularly, undergo medical tests frequently and take medicines. These expenses may add up over time, creating a financial burden of up to 20,000 to ₹35,000 annually. Therefore, it is wise to buy health insurance for PCOS.
Q7. How much does PCOD operation cost?

Ans: The cost of a PCOD operation can range anywhere between 35,000 to 50,000, depending on the city and the type of hospital. Therefore, you must buy health insurance to avoid depleting your savings.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in