Polycystic Ovary Syndrome & Life Insurance

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Polycystic Ovary Syndrome & Life InsuranceBeing diagnosed with polycystic ovary syndrome can be a discomforting time which is why we like to offer support as much as possible during your insurance application.

Things we need to know to get started:

  • When were you diagnosed with polycystic ovary syndrome?
  • Do you take any medication to control this?

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 pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

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 pays you a replacement of your monthly income, if you are unable to work due to ill health.

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

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

  • Irregular periods
  • Excess hair (hirsuitism)
  • Acne
  • Thinning hair
  • Weight gain
  • 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
By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).

Common Questions

Most insurers tend to ask health related questions, not all, but most. Insurers will want to know some generic information about your height, weight, dress size and how much alcohol you drink, the same things that they would ask anyone. When it comes to the polycystic ovary syndrome the main questions will focus upon when you were diagnosed, the symptoms that you experience and if you have taken medications like metformin. 

It can be really handy to all of this information to hand when you apply for life insurance or any other policies.

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 467 reviews.

Review by Sara on 6th April 2021

Cura provided excellent, highly personalised customer service in my search for critical illness cover, which I have now taken out with them. - 5 

You can read more of our reviews here.

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

Client Reviews

Polycystic Ovary Syndrome & Life Insurance

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