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Life Insurance

When you apply for Life Insurance, PCOS can be accepted at standard rates if you have no other significant medical declarations and the condition is well controlled. PCOS Life Insurance applications will enquire as to whether you have had a glucose tolerance test or not, and if you have shown any shown any glucose intolerance.

In instances where BMI is high or glucose levels indicate borderline or type 2 diabetes premiums will be subject to a loading.

Get a Life Insurance Quote

Critical Illness Cover

Critical Illness Cover for people with PCOS is treat very similarly to Life Insurance, with standard terms possible for those who have no other medical disclosures to make. If there is presence of glucose intolerance or a high BMI then cover may be loaded or not available. Some insurance companies will also ask if you take metformin to control the condition.

Get a Critical Illness Cover Quote

Income Protection

Income Protection for people with PCOS is usually not a problem so long as there are no associated complications such as glucose intolerance, a high BMI or high blood pressure.

It is recommended that you speak to an adviser before purchasing any Income Protection policy as the difference between providers can be quite extreme with polycystic ovary syndrome.

Get an Income Protection Quote

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have polycystic ovary syndome include:

  • Family planning
  • Low self esteem
  • Hair loss (alopecia)

Medications and Treatments

  • Clomifene
  • Co-cyprindiol
  • Contraceptive pill
  • Cyproterone acetate
  • Dianette
  • Eflornithine
  • Finasteride
  • Flutamide
  • Gonadotrophins
  • IUS (Intrauterine system)
  • Laparoscopic ovarian drilling (LOD)
  • Marvelon
  • Metformin
  • Orlistat
  • Progesterone tablet
  • Spironolactone
  • Statin
  • Yasmin

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Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Polycystic ovary syndrome is diagnosed when a woman has at least two of the following conditions: polycystic ovaries, elevated levels of testosterone and have little to no ovulation. Polycystic ovaries are often larger than average and contain cysts that are unable to regularly release eggs during the menstrual cycle, if at all. PCOS is linked to resistance to insulin, hormone imbalance and a genetic predisposition to the condition.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research