Health Insurance That Covers Menopause

A Buyers Guide To Health Insurance For Menopause

Posted by Greg Jones on January 24, 2020

If you've searched Google for private health insurance that covers menopause then you are probably for looking for trusted UK based health insurance companies that will cover your menopause.

Our advice when shopping around for health insurance that covers menopause is to speak to a insurance broker. Health insurance is extremely complicated and if you want complete certainty that menopause is covered by your policy you should talk with a broker who can explain which policy providers will cover this medical condition and which will exclude it.

There are many advantages to using a broker but the biggest by far is that you're using their expertise at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than you so it costs you no extra to use their services.

  • Do you live in many different postcodes? Some will give you a lower premium than offers. A insurance broker will be able to advise whats best.
  • Do you have a hobby that may invalidate your insurance claim? A broker will know this critical information.
  • If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different policies?
  • You've lean't you're at risk of developing a certain condition and want to know which policy provider offers the largest amount of cover for it. A broker will know this instantly saving you so much time and effort.

You can call around every health insurance provider you can find and ask if they cover menopause, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.

Its much quicker to speak to one health insurance broker which will know which providers on the market cover menopause and under what terms they do or don't cover it.

Menopause Information

The menopause is when a woman stops having periods and is no longer able to get pregnant naturally.

Periods usually start to become less frequent over a few months or years before they stop altogether. Sometimes they can stop suddenly.

The menopause is a natural part of ageing that usually occurs between 45 and 55 years of age, as a woman's oestrogen levels decline. In the UK, the average age for a woman to reach the menopause is 51.

However, around 1 in 100 women experience the menopause before 40 years of age. This is known as premature menopause or premature ovarian insufficiency.

Most women will experience menopausal symptoms. Some of these can be quite severe and have a significant impact on your everyday activities.

Common symptoms include:

Menopausal symptoms can begin months or even years before your periods stop and last around four years after your last period, although some women experience them for much longer.

Read more about the symptoms of the menopause

It's worth talking to your GP if you have menopausal symptoms that are troubling you or if you're experiencing symptoms of the menopause before 45 years of age.

Your GP can usually confirm whether you are menopausal based on your symptoms, but a blood test to measure your hormone levels may be carried out if you're aged 40 to 45.

Blood tests may also be carried out to help diagnose suspected premature menopause if you’re under 40 and have menopausal symptoms.

Your GP can offer treatments and suggest lifestyle changes if you have severe menopausal symptoms that interfere with your day-to-day life, including:

Your GP can refer you to a menopause specialist if your symptoms don't improve after trying treatment or if you're unable to take HRT.

Read more about treating the menopause

The menopause is caused by a change in the balance of the body's sex hormones, which occurs as you get older.