Health Insurance for Thyroid Patients

Health insurance for Thyroid patients covers the medical expenses incurred during the treatment of thyroid disease. It pays for the hospitalization expenses, OPD doctor consultations and diagnostic costs of thyroid issues, enabling patients to obtain immediate treatment. All health insurance companies in India provide coverage for thyroid problems.

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      What is Thyroid?

      Thyroid is an important endocrine gland in the body that produces hormones to regulate the speed of metabolism. It controls the production and release of hormones like T4, T3, and RT3 to optimally utilize the energy created from consuming food. However, any abnormality in the functioning of the thyroid can lead to thyroid disease.

      When the thyroid malfunctions, it produces excess or too little of these hormones, disturbing the metabolic function of the body. As it obstructs the way our body uses energy, it results in visible weight fluctuations, depression, low energy levels, fatigue, anxiety, hair loss, etc. Moreover, thyroid problems can lead to serious health issues, such as obesity, hypertension, infertility, sexual dysfunction, etc.

      Types of Thyroid Disease

      Thyroid disease can be majorly divided into two types:

      1. Hyperthyroidism - When the metabolic levels in the body speed up due to excessive production of the thyroid hormone, a person is said to have developed Hyperthyroidism.
      2. Hypothyroidism - When the metabolic levels of the body slow down, it is called Hypothyroidism.

      However, lack of iodine in the body can result in enlargement of the thyroid gland, also known as goitre.s

      Symptoms of Thyroid Disease

      Check out some of the most common symptoms of the thyroid disease:

      • Slow or rapid heart rate
      • Difficulty in tolerating heat or cold
      • Fatigue
      • Unexplained body weight fluctuations
      • Anxiety and depression
      • Heavy, scanty or irregular periods
      • Frequent bowel movements
      • Changes in skin and hair texture, like extremely dry or sweaty
      • Muscle and body pain
      • Difficulty in sleeping
      • Increased sweating

      Who Should Buy Health Insurance for Thyroid Problems?

      The following people must buy a thyroid insurance policy:

      • Women
      • People with a family history of thyroid disease
      • People above the age of 65 years
      • Those consuming medicines with high iodine content
      • People with Turner syndrome
      • People with an iodine deficiency
      • Those who have received radiation therapy for their neck and/or head
      • People who have type 1 diabetes or rheumatoid arthritis
      • People with autoimmune disease, especially celiac disease, Addison’s disease, pernicious anaemia, lupus and Sjogren’s syndrome

      Benefits of Buying Health Insurance for Thyroid Problems

      Here are some of the compelling reasons to buy health insurance for thyroid patients:

      1. High Incidence of Thyroid Problems in India

        Thyroid problems are extremely common in India. As per reports, around 42 million people in India have thyroid disease, including hyperthyroidism and hypothyroidism. Moreover, women are at a higher risk of developing thyroid problems as compared to men. Considering these numbers, it is only prudent to buy a mediclaim insurance policy that safeguards against any potential thyroid-related medical expenditures in future.

      2. Expensive Treatment of Thyroid

        Curing a thyroid disease involves regular treatment, medical tests and medications. Typically, this can cost an arm and a leg, as medical inflation in India is at its peak. Even a brief hospitalization due to thyroid can cost lakhs of rupees. Besides, the cost of regular doctor consultations, diagnostic tests and medicines can add to these medical costs. However, buying a health insurance policy can limit out-of-pocket expenditures and protect savings, as the insurance company will pay for the treatment expenses of the thyroid.

      Best Health Insurance for Thyroid Patients

      Take a look at the best health insurance for thyroid problems in India:

      Thyroid Insurance Plans Entry Age Sum Insured
      (₹)
      PED Waiting Period
      Aditya Birla Activ Health Plan 91 days onwards 2 lakh to 2 crore 3 years, 4 years
      Bajaj Allianz My Health Care Plan 90 days to 65 years 1 lakh to 5 crore 2 years, 3 years
      Care Health Insurance Plan 91 days onwards 1 lakh to 6 crore 2 years
      Cholamandalam Flexi Health Supreme Plan 90 days to 75 years 50,000 to 25 lakh 2 years, 3 years
      Digit Health Insurance Plan 91 days onwards 2 lakh to 3 crore 1 year, 3 years
      Future Generali Health Absolute Plan 1 day onwards 3 lakh to 1 crore 2 years
      HDFC ERGO my:health Suraksha Plan 91 days onwards 1 lakh to 5 crore 4 years
      ICICI Lombard Health AdvantEdge Plan 91 days to 65 years 3 lakh to 3 crore 2 years
      IFFCO Tokio Family Health Protector Plan 1 day to 65 years 1.5 lakh to 30 lakh After 3 years
      Kotak Mahindra Health Premier Plan 91 days onwards 2 lakh to 2 crore 2 years, 3 years, 4 years
      Liberty Health Connect Plan 91 days to 65 years 2 lakh to 40 lakh 2 years, 3 years, 4 years
      Magma HDI OneHealth Insurance Plan 91 days onwards 2 lakh to 3 crore 2 years, 3 years, 4 years
      ManipalCigna ProHealth Prime Insurance Plan 91 days onwards 3 lakh to 1 crore 2 years, 3 years
      National Parivar Mediclaim Plus Plan 90 days to 65 years 6 lakh to 50 lakh 3 years
      New India Assurance Premier Mediclaim Plan 90 days to 65 years 15 lakh to 1 crore 3 years
      Niva Bupa Aspire Plan 91 days to 65 years 5 lakh to 3 crore 1 year, 2 years, 3 years, 4 years
      Oriental Happy Family Floater Plan 91 days to 65 years 1 lakh to 50 lakh 4 years
      Raheja Health QuBE Plan 90 days to 65 years 1 lakh to 50 lakh 4 years
      Reliance Health Gain Plan 91 days to 65 years 3 lakh to 1 crore 3 years
      Royal Sundaram Lifeline Plan 91 days onwards 2 lakh to 1.5 crore 2 years, 3 years
      SBI Health Edge Plan 91 days to 65 years 3 lakh to 25 lakh 2 years
      Star Comprehensive Insurance Plan 91 days to 65 years 5 lakh to 1 crore 2 years
      Tata AIG Health MediCare Premier Plan 91 days onwards 5 lakh to 3 crore 2 years
      United Family Medicare Plan 91 days to 65 years 3 lakh to 25 lakh 4 years
      Universal Sompo Complete Health Insurance Plan 91 days to 75 years 1 lakh to 50 lakh 3 years
      Zuno Health Insurance Plan 91 days onwards 1 lakh to 1 crore 2 years, 3 years, 4 years
      See More Plans

      Inclusions of Health Insurance for Thyroid Patients

      The following coverage are included in thyroid insurance plans:

      • In-patient hospitalization expenses
      • OPD treatment
      • Diagnostic tests cover
      • Pharmacy cover
      • Ambulance charges
      • Pre-hospitalization expenses
      • Post-hospitalization expenses
      • Non-medical expenses
      • Health check-ups
      • Day care procedures

      Exclusions of Health Insurance for Thyroid Patients

      Health insurance for thyroid patients comes with the following exclusions:

      • Non-allopathic treatments
      • Unproven treatment
      • Obesity and weight-control procedures
      • Dietary supplements
      • Artificial life maintenance
      • Treatments taken outside of India

      Tips to Reduce the Risk of Thyroid Disease

      Here are some essential tips to reduce the risk of thyroid disease:

      • Eat less of foods that are high in sugar
      • Exercise regularly to improve your thyroid function
      • Reduce the consumption of highly processed foods
      • Practice yoga and meditation to keep your stress levels low
      • Increase consumption of probiotics to improve digestive health
      • Quit smoking to prevent toxins from affecting your thyroid
      • Get optimum sun exposure to increase your Vitamin D levels
      • Avoid eating excess soy and cruciferous vegetables like broccoli, cabbage, cauliflower, etc.

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