Benefits of having Health Insurance for Thyroid Problems

Thyroid Disorder? Here's Why You Need Health Insurance

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.

Does insurance cover thyroid tests?

Yes, many health insurance policies cover thyroid tests and other procedures to examine the function of the thyroid. Thyroid pre existing condition is included under many health insurance policies.

What is Thyroid insurance?

Thyroid insurance provides coverage for the medical expenses related to thyroid disease, that include diagnostic tests, treatment, specialist care, hospitalization, OPD doctor consultations, etc.

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

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
Hoarseness
Constipation

Hyperthyroidism

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

Anxiety
Worry and irritability
Weight loss
Disturbed sleep
Irregular menstrual cycles or cessation of menstruation
Goitre
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.

Conclusion

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 buy the one that best meets your top requirements.

HELP CENTRE

Confused? We’ve got the answers

We’re Star Health. We offer the coverage that’s designed to help keep you healthy. It's the care that comes to you, and stays with you.

FAQ

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.

Is thyroid covered under the list of pre existing disease in health insurance?

Yes, thyroid is considered a pre-existing disease and is covered by many health insurance policies in India.

What are the Star Health Insurance diseases covered?

The diseases covered under Star Health Insurance include diabetes, cataracts, autism spectrum disorder, chronic kidney disease, psychiatric and psychosomatic disorders, brain tumours, bariatric surgery, and in utero foetal surgery.

What are the Star Health Insurance diseases not covered?

Star Health Insurance does not cover some diseases and conditions like:<ul><li>Pre-existing conditions</li><li>Hazardous sports</li><li>Unproven treatments</li><li>Assisted conception</li><li>Infant food</li><li>Psychiatric and psychosomatic disorders</li><li>Sexually transmitted diseases</li><li>Dental treatment</li><li>Home visit charges</li><li>Infertility/subfertility  </li></ul>