A woman goes through a roller-coaster of emotions and a range of problems within her body. She keeps a baby within her for nine months and has to go through a monthly menstruation cycle which affects her mood. Let’s not forget that both pregnancy and menstruation cause a lot of pain. Speaking of menstruation, there is a condition called, ‘Polycystic Ovary Syndrome.’

The symptoms include the excess of hair on the body (facial hair), weight gain, fertility issues, irregular periods, acne, and thin hair. It has become a common problem all over the world.

Does this affect your life insurance application and the premium cost? Let’s find out!

Will you get the life insurance policy at standard rates?

There will be no problem in getting Polycystic ovary syndrome life insurance. It is not a life-threatening condition (as per the insurance companies).

Life insurance with PCOS is possible. If it is well-controlled and you are following everything as per gynaecologist, you will get the insurance policy at standard rates.

But, here’s the problem:

Polycystic Ovary Syndrome causes weight gain and even affects your blood pressure level.

You will have to undergo a medical examination in which they will find out your BMI, blood pressure, sugar level, and so on.

If your lifestyle choices are poor (smoking/drinking) and you are obese, then there is a high risk. PCOS life insurance premium costs are higher when your BMI falls in the obese category.

However, if you can control your weight and do not have diabetes, you can opt for critical illness cover and income protection as well.

In a nutshell, you need to keep your weight in check and opt for a healthy lifestyle. Getting a life insurance policy at standard rates is POSSIBLE.

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!
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