Polycystic Ovary Syndrome & Life Insurance

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Polycystic Ovary Syndrome & Life InsuranceBeing diagnosed with polycystic ovary syndrome can be a worry and also a relief. You might be uncertain about what the future holds and also relieved that you have a name for why you have been feeling this way.

We understand that PCOS can lead to some fertility difficulties and I would like to assure you that questions regarding IVF, are not asked by most insurers. We will support you to get the life insurance that you need, from an insurer that handles your application sensitively and with care. 

Things we need to know to get started:

  • When were you diagnosed with polycystic ovary syndrome?
  • Do you take any medication to control this?
  • Have you take metformin?
  • Are you due to have any surgery?

When you apply for life insurance, PCOS can be accepted at standard rates by some insurers. This is most likely if you have no other medical disclosures and the condition is well controlled.

PCOS life insurance applications with many insurers will ask if you have had a glucose tolerance test or not. They want to know if you have shown to have any glucose intolerance, as this will be included within their review.

For some people that have a higher BMI, or glucose levels indicate borderline or type 2 diabetes, it is possible that premiums will be increased.


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 living with PCOS is treat very similarly to life insurance. Some insurers might offer the policy at standard terms, depending upon your individual circumstances.

Insurers will want to know if a glucose tolerance test has shown that you are borderline diabetic, or have type 2 diabetes. If this is a case or if you have a high BMI, critical illness cover may be offered at an increased premium.


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

Income Protection for people living with PCOS is can be quite straightforward to arrange. This is most likely if you have had tests to show that you do not have glucose intolerance (diabetes), do not have 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 what insurers will offer, 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 4.9 out of 5 based on 515 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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