Benefits of having Health Insurance for Thyroid Problems
Any thyroid issue, be it overactive or underactive thyroid, significantly impacts a person’s quality of life. Unfortunately, treating thyroid disorders is expensive, so many patients who experience symptoms choose not to seek medical treatment.
Health Insurance policies will cover thyroid problems’ diagnostic and treatment costs, allowing the insured to receive prompt treatment for their symptoms.
But do not worry.
Thyroid issues- An overview
Thyroid issues seem to be the third most common health issue in Indians after diabetes and heart disease. According to a study by SRL Diagnostics, nearly 32% of people in India have thyroid disorders.
As the thyroid hormone ensures the efficient functioning of many organs, including the kidneys and the brain, it is important to diagnose and treat the condition early.
Hypothyroidism is the outcome of the thyroid gland underproducing thyroid hormones. The thyroid hormone ensures that oxygen is excreted and broken down so that it may be absorbed by the body and used to create and assimilate energy. Hypothyroidism is more common in women than men, and people over 50 generally experience this condition.
Symptoms of Hypothyroidism
- Fatigue or exhaustion
- Weight gain
- Irregular menstrual cycles
- Hair fall issues
Hyperthyroidism is brought on by the overproduction of thyroid hormone. This speeds up the body’s chemical processes and metabolism. Compared to men, women are more likely to have Hyperthyroidism.
Symptoms of Hyperthyroidism
- Worry and irritability
- Weight loss
- Disturbed sleep
- Irregular menstrual cycles or cessation of menstruation
- Vision issues
- Fatigue, tremors, and weakened muscles
Health Insurance for Thyroid issues
Thyroid issues can have long-term repercussions. Therefore, it is important to diagnose the issue early on and start the appropriate treatment as soon as possible.
Thyroid conditions are diagnosed using a range of diagnostic tests, including blood tests and other investigations. And in comparison to other conditions, thyroid medications are taken for longer periods.
A Health Insurance policy covering endocrinal disorders like thyroid problems is necessary given the continually rising cost of healthcare treatment. This will make it possible to get the best care and recover quickly.
With a good Health Insurance Policy, you can relax and focus on receiving the best treatment for your condition. Additionally, if your Health Insurance covers thyroid, you will receive coverage for all costs associated with thyroid treatment.
“Diseases related to Thyroid are covered after a waiting period of 24 months under Star Comprehensive Insurance Policy from the date of inception of the first policy with us.”
Benefits of Star Comprehensive Insurance Policy
1. Cashless treatment
With cashless coverage, you do not have to worry about paying for medications, thyroid testing, or other medical expenses. With this policy, inpatient hospitalization expenses are settled directly by the Health Insurance Company to the Network Hospital.
2. Affordable premium
Affordable premium can be paid through instalments (quarterly, half-yearly or annually).
3. OPD consultations
This policy covers out-patient medical consultation costs as an outpatient incurred in a Networked facility other than Dental and Ophthalmic procedures, up to the limit of Rs 300/- per consultation.
This policy covers expenses incurred for out patient Dental and Ophtalmic procedures after continuous coverage under Star Comprehensive Insurance Policy, after every block of 3 years and while the policy is in force.
4. Daycare Procedures
Both Hypothyroidism and Hyperthyroidism may be linked to other medical conditions that necessitate treatment, such as a slower heart rate, weight issues, depression, etc. The policy covers such Daycare Procedures.
5. Tax benefits
Under Section 80D of the Income Tax Act of 1961, you are entitled to a tax deduction on your insurance premium paid by any mode other than cash.
As we know, in recent years, medical costs have skyrocketed. Hence, the treatment of a chronic condition might be quite expensive. Therefore, purchasing Health Insurance from a reliable Health Insurance Company like Star Health Insurance is recommended. You can browse through our Variety of Policies , review the features and benefits, and pick the one that best meets your requirements.
Is thyroid covered by insurance?
Yes, thyroid conditions are typically covered by health insurance. Most health insurance plans provide coverage for diagnosing and treating thyroid conditions, such as hypothyroidism and hyperthyroidism.
Is thyroid a pre-existing condition?
Yes, a thyroid condition is considered a pre-existing condition for insurance purposes. This means that if you have been diagnosed with a thyroid condition before applying for a new insurance policy, the insurer may consider this when determining your premium and coverage.
How do thyroid problems start?
Thyroid problems are initially caused due to abnormal production of thyroid hormones and Iodine deficiency.