Does Hair Loss Treatment Come Under Health Insurance in India?

Posted on: Jun 30, 2025 | 3 mins | Written by: HDFC ERGO Team

Does Hair Loss Treatment Come Under Health Insurance in India?

Hair Loss Treatment Under Health Insurance in India

Does Hair Loss Treatment Come Under Health Insurance in India?

Hair loss, or alopecia, is a widespread issue affecting millions of Indians across age groups. Many people consider treatments ranging from medication to surgical hair transplants. However, before spending a large sum, it is essential to know whether your health insurance covers such treatments. Here’s everything you need to know.

Understanding Hair Loss and Alopecia

Hair loss can happen due to various reasons and may be temporary or permanent:

• Genetic factors:

Male or female pattern baldness is inherited.

• Hormonal changes:

Pregnancy, menopause or thyroid disorders can cause hair thinning.

• Medical conditions:

Diseases like alopecia areata, scalp infections or certain autoimmune disorders.

• Medications:

Treatments for cancer, arthritis, depression or heart issues can lead to hair loss.

• Stress and lifestyle:

Poor nutrition, severe stress, and hair treatments can also contribute to hair loss.

Why Hair Transplants are Not Covered by Health Insurance

In India, most health insurance policies do not cover cosmetic procedures.

Here’s why:

• Classified as cosmetic:

Hair transplantation is considered a cosmetic procedure, not a medical necessity.

• No impact on survival or basic health:

It doesn’t treat a life-threatening condition.

• Elective in nature:

It is chosen for aesthetic improvement.

Insurance companies cover treatments that address medical needs. Unless hair loss is due to an underlying disease or accidental injury and the treatment is medically necessary, coverage is usually denied. Always read your policy document or check with your insurer for specifics.

Common Reasons for Hair Loss in India

Hair loss can be triggered by multiple factors common among Indians. These are:

• Nutritional deficiencies:

Iron deficiency, anaemia, is prevalent in India and can lead to hair fall.

• Stress and pollution:

Rapid urbanisation exposes people to pollution, contributing to hair damage.

• Genetics:

Family history plays a significant role in hair loss.

• Hormonal imbalances:

Polycystic Ovary Syndrome (PCOS) among women is a known cause for hair thinning and loss.

Maintaining a healthy diet, managing stress and regular scalp care can help prevent or reduce hair loss.

Cost of Hair Transplantation in India

Hair transplants are among the most popular solutions for hair loss, but they are costly. Here is the average cost:

• Cost range:

Typically, hair transplantation costs between ₹40,000 and ₹1,50,000, depending on the clinic and procedure type.

• Techniques:

Two common methods are Follicular Unit Extraction (FUE) and Follicular Unit Transplantation (FUT).

• Sessions:

Multiple sessions may be needed, increasing the total expenses.

It is crucial to consult a qualified dermatologist or hair transplant surgeon and ensure that the clinic follows proper hygiene and safety standards.

What You Can Do Instead

While most health insurance plans don’t cover cosmetic hair transplants, you can:

• Check for coverage in case of accidents:

If hair loss occurs due to a road accident or burn injury, treatment costs may be claimable.

• Explore medications:

Doctors may prescribe drugs like minoxidil or finasteride to slow hair loss.

• Consider lifestyle changes:

Balanced nutrition, stress management and gentle hair care go a long way in addressing hair loss issues.

How to Choose a Good Plan

When purchasing health insurance, verify what treatments and procedures are covered or excluded. Read the policy wordings carefully. Always:

• Understand the exclusions related to cosmetic surgeries.

• Look for plans that cover hospitalisation for underlying medical conditions causing hair loss.

• Compare multiple plans and clarify doubts with your insurer.

Conclusion

Hair loss treatments, particularly cosmetic options such as transplants, are generally not covered by health insurance in India. This is because they are elective and cosmetic in nature. However, if hair loss is due to an accident or a treatable medical condition, partial coverage may apply. Be informed and always read the fine print.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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