Polycystic Ovary Syndrome & Life Insurance

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Polycystic Ovary Syndrome & 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.

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.


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.


Are you going off on holiday? We have teamed up with a specialist broker, who can help you understand the ins and outs of travel insurance when you have PCOS. To find out more, click here.

What is Polycystic Ovary Syndrome

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.

  • Also Known as:Polycystic Ovaries, PCOS, PCO, Stein-Leventhal syndrome
  • Linked with:Type 2 diabetes, diabetes in pregnancy, high cholesterol, high blood pressure (hypertension), pre-eclampsia, sleep apnoea, endometrial cancer
  • Possible Symptoms:Irregular periods, excess hair (hirsuitism), acne, thinning hair, weight gain


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

  • Family planning
  • Low self esteem
  • Hair loss (alopecia)
  • 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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Polycystic Ovary Syndrome & Life Insurance

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Polycystic Ovary Syndrome & Life Insurance

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