Are Hair Loss Treatments Covered By Health Insurance In India

Hair is an aesthetic part of an individual that directly impacts their confidence. The average hair loss ranges between 80 to 100 hair strands per day. However, individuals may experience sudden hair loss more than usual. There are several treatments for hair loss available nowadays. A dermatologist will recommend one based on the severity of hair fall. People of both genders experience severe hair loss, so much so that it may lead to baldness in some cases. While some people remain unaffected, some may be bothered by their hair loss. It is upon an individual whether they want to opt for a hair loss treatment. The clinical term for hair loss is Alopecia. Baldness is also the result of an extreme hair fall. People in the early stage of their lives may not be comfortable with accepting baldness. Individuals who decide to act on it may revolve around getting a hair loss treatment instantly. If you are planning to get a hair loss treatment, you might find yourself wondering if your health insurance plan covers it.

Does health insurance cover hair loss treatment?

The simple answer here is no. Health insurance plans do not cover any hair loss treatments. There are no additional riders available that offer insurance coverage against hair loss. Thus, an individual getting a hair loss treatment is required to pay for it. There are several reasons why one might suffer from hair loss. Your medical professional may decide on the treatment depending on the cause of your hair loss. The common reasons for hair loss include genetic hair fall, lack of nourishment, using hair cosmetics, prolonged use of specific medications, incorrect shampoo usage, or improper hair care. * Standard T&C Apply

Why is hair loss treatment not covered under health insurance?

From the policyholder’s perspective, you might wonder why your health insurance does not cover hair loss treatments.

• Insurance coverage is objective

  Health insurance coverage offers a financial safety net against any illness or injury that may arise over the years. Even though sometimes hair loss may be a result of any condition or injury, most times, it is not. Most of the time, hair loss is simply a result of the common causes mentioned above. While hair loss may result in baldness and an undesirable physical appearance, the condition does not threaten your life. Hair loss is not considered a critical condition from a health plan perspective.

• The “at-risk” population is massive

  Hair loss is a common condition that most individuals are likely to suffer from. While some may not seek treatment for it, nowadays, most individuals do. Since the population seeking some or the other form of hair loss treatment is massive, it would be expensive for an insurance company to reserve funds for such treatments. Also, the primary purpose of a health insurance plan is to protect a policyholder against critical illnesses rather than common conditions like hair loss. If you do not have health insurance already, consider getting one to protect yourself from any unexpected diagnosis. You can use a health insurance calculator to provide an estimate of the premium payable for the health coverage you need.

• The treatment is for an aesthetic purpose

  Treatments for hair loss commonly include medications and using hair care products. Surgery for hair loss is required only in the case of hair transplants. Irrespective of any treatment you choose, the treatments are cosmetic. Since the nature of hair loss treatment is aesthetic rather than healing or preventive, healthcare providers do not include it in their plans.

* Standard T&C Apply Hair loss, predominantly uncontrolled hair loss, may not adversely affect the body, but it does impact one’s physical attributes. If you are losing your hair, it is your choice whether you want to get any treatments. However, when it comes to health insurance, it is essential that you have one. With a health plan, you get financial coverage against any unexpected health condition diagnosis. Also, research thoroughly and compare several plans before buying one. You must make an informed decision while choosing health insurance since it is vital. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.