The circumstances, environment, and work culture of the 21st century have moved us all towards a sedentary lifestyle that often serves good to none. Today, a majority of people are dealing with some, or other lifestyle-related health problems and the most common ones among them are Blood Pressure issues, Thyroid, Diabetes, etc.
Thyroid is the name of a butterfly-shaped gland that is placed in the lower-front position of our neck. Though it is a smaller gland it affects the regulation and management of the entire body. The thyroid gland releases thyroid hormones that impact almost every cell of the body. The hormones are mainly responsible for regulating our body's metabolism, growth, development and temperature control. The hormones also affect menstruation and pregnancy in women and play a significant role in foetus development. Abnormal amounts of the thyroid hormones in the body bring several issues, sometimes severe ones like cancer.
Thyroid problems are caused due to the over or underproduction of thyroid hormones. If the thyroid gland is underactive and produces low hormone levels, then the disease is called Hypothyroidism. In contrast, if the gland secretes an excess of it, it causes Hypothyroidism.
A few common types of thyroid diseases other than Hyper and Hypothyroidism are:
Enlargement of the thyroid causes it to produce excessive hormones. The disease is also known as Enlarged Thyroid Goitre.
An autoimmune condition leads to cells attacking the entire body and the thyroid gland. This is a genetic disorder.
Several nodules develop inside the thyroid gland and start producing an excess of thyroid hormones which in return disbalances the body’s functions.
When the thyroid gland enlarges abnormally and creates issues within the body.
Cancer of the thyroid gland that if not treated well can also be fatal.
Inflammation caused in the thyroid gland further gives rise to a handful of issues inside the body.
Thyroid problems commonly occur due to
The symptoms that occur due to thyroid issues are not very specific and therefore are not understood easily. Many a time a set of these thyroid symptoms can also lead to some other issues rather than just hypothyroidism and hyperthyroidism. However, having a strict check on your symptoms is very important to save you from any severe conditions that may occur later on:
While many health insurance companies provide health insurance coverage for Thyroid, however, it is highly recommended that you disclose your condition to the insurer well in advance. Your application may be accepted but you may have to pay a comparatively higher premium or wait for a specific period.
| Name of the Plan | Key Features |
|---|---|
| HDFC ERGO Optima Restore |
Available in both individual and family floater plan options Coverage for in-patient treatments including hospital room rent, drugs and consumables charge Pre and post hospitalisation expenses are covered for a set number of days Coverage for air ambulance, daycare procedures, organ donors, domiciliary treatments for the patient Sum assured ranges from INR 3 lakhs to INR 50 Lakhs |
| Care Freedom Health Companion |
Coverage for in-patient treatments including hospital room rent, drugs and consumables charges with no capping on room rent. Coverage for pre, post as well as domiciliary hospitalisation. Several loyalty benefits including free health checkups can be availed. Offers a wide range of sum insured options An advanced treatment facility is available |
| Star Health Comprehensive Plan |
Available in both individual and family floater plan options Midterm inclusions of newborns, married spouses are allowed. Coverage for pre, post as well as domiciliary hospitalisation. Hospital cash benefits are available Free health checkups for every claim-free year. Cover starts from INR 5 Lakhs to INR 1 Crore. |
| Royal Sundaram Family Plus Health Insurance |
Offers coverage for in-hospitalisation Daycare treatments are covered The policy offers a reload of the sum insured Pre and post-hospitalization are covered |
| Aditya Birla Activ Assure Diamond Plan |
Available in both individual and family floater plan options Cashless treatment in all the network hospitals 586-day care procedures are covered in the plan Option to earn benefits through Health Returns Option A wide range of sum assured starting from INR 2 Lakhs to INR 2 Crores. |
Thyroid is a disease that has a high occurrence rate. This disease has no specific cause but is generally seen in women, especially in their postpartum phase. Thyroid has many variants, where on one side it can be treated with just a little alteration in the lifestyle, on the other side it can be as dangerous as converting into cancer.
Here are some major benefits of health insurance plans in the context of the thyroid:
These health plans offer coverage for both you and your family. The reason behind this is that thyroid illness passes with genes and therefore can show its presence in your loved ones too.
Thyroid affects almost all the functions of the body and therefore can cause several other issues that may need treatment. With these health insurance plans, you get that covered.
With the option of cashless treatments, you need not have to worry about managing funds in such difficult times. These health insurance plans are there to support you fully.
Thyroid is a disease that has a high occurrence rate. This disease has no specific cause but is generally seen in women, especially in their postpartum phase. Thyroid has many variants, where on one side it can be treated with just a little alteration in the lifestyle, on the other side it can be as dangerous as converting into cancer.
Here are some major benefits of health insurance plans in the context of the thyroid:
A health insurance plan though comprehensive can never cover everything and you should know this list to avoid any dispute later on. Some common exclusions of health insurance plans:
Yes, generally medical insurance companies cover diagnosis tests required for endocrine diseases like thyroid. Moreover, some insurance companies also cover the expenses of thyroid medicines but the terms and conditions should be checked to know more.
Thyroid can fall into the category of a pre-existing illness or critical illness or a specified disease. This depends on your insurance provider.
Yes, you can. However, the coverage depends on the health insurance company and the plan that you have opted for. Check the policy documents before you make a decision.
A person who suffers from thyroid may be able to purchase life insurance. However, the insurance coverage and the premium will be affected.
You may be able to get thyroid treatment for free at a government hospital. However, it may not be possible at a private hospital, unless you have a health insurance plan that offers cashless treatment. Even then you’ll have to pay for the uncovered expenses.
The thyroid is a medical condition that is not categorised as a disability as it doesn’t affect the normal functioning of day-to-day work life.
