Polycystic Ovary Syndrome (PCOS) is a hormonal disorder which causes ovaries to expand with small cysts on the outer edges. Symptoms of this disease include menstrual irregularity, excessive hair growth, acne and obesity or high BMI. It can also be linked with other medical issues such as type 2 diabetes, diabetes in pregnancy, high cholesterol, high blood pressure (hypertension) etc.
Life Insurance for PCOS sufferers:
When applying for Life Insurance, PCOS can be accepted at normal rates if you have no other significant medical complications and the condition is well managed. PCOS Life cover applications will enquire as to whether you have had a glucose tolerance test or not, and if you have shown any glucose intolerance. In instances where BMI is high or glucose levels display borderline or type 2 diabetes premiums loadings can be applied to your policy.
Critical illness cover with PCOS:
Critical Illness Cover for those with PCOS is treated similarly to Life Insurance, with standard terms possible provided that you have no other medical disclosures to make. In case of presence of glucose intolerance or a high BMI then cover may be offered with a premium increase or can also be declined. Some insurance companies will also ask if you take metformin (a medicine used to control type 2 diabetes and PCOS) to control the condition.
Income Protection and PCOS:
Income Protection with PCOS is usually not a problem, as long as there are no associated medical complications such as glucose intolerance, a high BMI or high blood pressure. It is recommended that you have a word with an adviser before buying any Income Protection policy as every provider has a different underwriting philosophy for polycystic ovary syndrome.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00