Check Health Insurance for Menopause Treatment - Plans and Coverages

Menopause is a natural aging process that all women experience at a certain age. Generally, a woman transitions into menopause around the age of 50-52 (on average). There can be various physical and emotional changes that a woman might go through during the transition period. Also, in some cases, one can have significant health issues.

Managing the menopause treatment on your monthly salary can be quite challenging for any woman. This is where comprehensive health insurance coverage plans for menopause treatment come into play. In this blog, we will discuss more about menopause and its symptoms. Further, we will pen down different treatment options that are covered under insurance policies, and suitable health insurance plans one can apply for financial support and stability.

Understand Menopause

Menopause signifies the end of a woman's menstrual cycle. Some women can experience this at an early age of 45, while some may experience it after their 50s. When a woman undergoes 12 months without having a menstrual cycle, it is a sign that they have entered the menopause cycle. It is a natural biological process accompanied by various symptoms that can affect a woman's health and demand proper treatment.

Symptoms and Health Issues Associated with Menopause

Here are the following symptoms of menopause that a woman struggles through after period discontinuation, including:

• Hot Flushes: Most women experience a sudden spike in temperature near the face, neck, or chest along with excessive sweating and a fast heartbeat.
• Irregular Periods: In the initial days, females can experience missed periods, eventually resulting in the menstrual cycle being completely washed out.
• Muscle Ache: A fall in the levels of body fluid may cause discomfort or tension in the muscles leading to pain or muscle ache.
• Breast Soreness: In the later stages of menopause, breast soreness in women becomes milder than during pregnancy.
• Vaginal Dryness: The vagina starts losing natural lubrication and becomes parched due to reduced blood flow and hormone levels.
• Night Sweats: During the menopause phase, there is a constant fluctuation in the body temperature which can lead to night sweats.
• Joint Pain: A decrease in the estrogen level can also lead to joint pain issues.
• Fatigue: Lack of sleep and continuous fluctuation in hormone levels can lead to chronic fatigue.
• Weight Gain: Certain women experience excessive weight gain after the initiation of the menopause cycle and other weight issues.
• Osteoporosis: A premenopausal woman's decreased bone mass may contribute to bone loss caused by lowering estrogen levels.

Types of Treatment Covered

A wide range of treatments get covered under menopause health insurance coverage plans, including:

• Hormone Replacement Therapy (HRT): Helps the body produce new hormones replacing the natural ones that the body no longer makes.
• Osteoporosis: Under this condition bones become weak and there are high chances of bone fracture. To treat this condition, various exercise, supplement advice, and medications are provided by healthcare providers.
• Vaginal Estrogen: Under this treatment, estrogen is directly delivered to the vagina through insertion or capsules to treat menopause symptoms.
• Nutritional Counseling: There are constant fluctuations in the body temperature resulting in menopause symptoms. With nutritional counseling, women during the menopause phase can get over various health issues faster and prevent chronic conditions.

Best Health Insurance Plans and Companies Covering Menopause Treatment

Here are the following health insurance companies and plans you can invest in for menopause treatment coverage, including:

1. Future Generali Health POWHER Plan

The Health POWHER Plan from Future Generali is designed exclusively for women's health needs and mental wellness support. Under this plan, women of different ages can gain coverage for several medical conditions, including menopause treatment and hormonal health.

2. Care Health Insurance for Women

The health insurance company covers a wide range of diseases related to women's health in its specialized plans. From diabetes to critical illness and specific menopause-related conditions like osteoporosis are given full coverage and insurance benefits.

3. HDFC Ergo Health Insurance for Women

Under this health insurance plan from HDFC Ergo, women get coverage for chronic conditions and treatments related to menopause, childbirth, etc. With these comprehensive coverage plans, women can become financially independent and manage unique medical costs for these natural health conditions.

Inclusions and Exclusion

Here are the following inclusions and exclusions covered under insurance plans for women’s menopause treatment:

Inclusions:

• Hormone Replacement Therapy (HRT): Most insurance plans offer coverage for hormone replacement therapy as it is one of the standard procedures to treat menopause-related symptoms
• Consultation and Medication: Various symptoms like hot flashes, sleep issues, etc. occur due to hormonal changes and temperature fluctuations which can be controlled with proper counseling and medication.
• Health Check-ups: Cases showing symptoms of Osteoporosis and heart health issues are covered under regular check-ups.
• Wellness Programs: Coverage for mental health and emotional changes during menopause are covered
• Waiting Period: Waiting periods are available except for OPD treatments in certain health insurance plans.

Exclusions:

• Cosmetic Treatments or Surgery: Treatments for conditions not directly linked to menopause are not covered.
• Undeclared Pre-existing Conditions: Health conditions resulting from illness that were not disclosed at the time the coverage was purchased.
• Non-medical Expenses: Non-medical items are not covered by the policy
• Rehabilitation and Pain Management: Pain management plans that do not require hospitalization are not covered.

Customer Support Details For Any Query

For any information or concerns related to menopause treatment coverage, you can directly reach out to the customer support team of insurance companies using the following details:

1. Future Generali Health POWHER Plan: Call 1800 220233 or send a mail to fgcare@futuregenerali.in for support.
2. Care Health Insurance for Women: Send a WhatsApp message on 8860402452 for quick assistance from their support team
3. HDFC Life Health Insurance for Women: Contact customer care executives on WhatsApp at +91 8291 890 569 or mail at service@hdfclife.com

You can also share your concerns directly with InsuranceDekho's support team using the helpline number 755 1196 989 or drop a request at support@insurancedekho.com. 

Conclusion

Whether a woman undergoes the menopause phase at early 45 or after 50, they go through many hormonal and physical changes in their body. This constant fluctuation in the body temperature can lead to various menopause symptoms which can even affect their mental well-being.

It is important for women to stay prepared for the health conditions and related treatments leading to unexpected medical issues. There are several health insurance companies listed above that provide coverage for menopause-related treatments and symptoms. Get the optimum healthcare benefits with these coverage plans and cross the path with less stress. Also, go through the inclusions and exclusions covered in the health insurance plans, compare, and then make a call.

FAQs

Q1: Is menopause treatment covered under insurance plans?

A: Yes, you can find several health insurance plans and policies for women that include coverage for menopause treatment. But, make sure to look into their inclusions and exclusions before finalizing the plan.

Q2: Do health insurance companies offer coverage for hormone testing?

A: There are certain insurance companies that cover hormone tests in their healthcare plans but it is best to reach out to the support team or InsuranceDekho's advice for the right information.

Q3: Are treatments related to menopause subject to a waiting period?

A: There can be a waiting period for menopausal treatment under some insurance plans. However, it is best to verify the information directly with the insurer.

Q4: Do health insurance policies cover wellness programs or psychological counseling for menopause?

A: Some health insurance companies in India like Future Generali Health POWHER Plan offer wellness programs for women. However, specifically for psychological counseling, it is best to directly discuss your needs with your respective insurer.

Q5: What is the age limit for early menopause?

A: Generally, menopause starts between 45 -50, but in some cases, women undergo this period between 40-45 which is often called early menopause. In case, a woman faces menopause symptoms before the age of 40, this period is referred to as premature menopause.