Does transition affect health insurance?

AidemAmok

I'm an MTF in her 20s with a decent health insurance with a reputed company. I haven't come out to anyone yet. The health insurance policy clearly states that SRS isn't covered and that's fine. What I want to know is how will the company treat me if I decide to transition. As everyone knows health insurance is a very shady business in india and companies try very hard to deny claims. Would they discriminate against me if I went on hrt? If I had SRS? Would they bump up my premium to an absurd amount if I transition by putting me in a high risk category? What is your experience with insurance and transition in india?

TokumeiM

AidemAmok I have the same questions and nobody has been able to answer it so far, mostly because 1. Most people get their insurance post (legal) transition so there's no issue, or 2. They don't have insurance at all.
The best answer I've gotten is that it's case by case depending on your insurance. "Legally" they're not allowed to discriminate but companies break the law all the time with no repercussions, so dunno.

Kavyaa

AidemAmok it is batter to ask to your insurance company

Hasini

AidemAmok SRS/GRS should be covered under medical insurance. I'm working in a MNC and my insurance specified GRS is not covered, but one of my other mtf friend spoke to the insurance company directly and got her surgery covered. You can enquire them directly and get it cleared as well. As for the transaction goes, companies generally don't discriminate against transition. But it can be a problem if your colleagues/teammates isn't supportive. Again you can clarify all this with HR before coming out at work(if you haven't already).

Realneilbruce

Hasini
Group Insurance do cover Gender related treatments
But Individual Insurances don't cover it I have checked about this with multiple insurance companies as well as IRDAI which is the regulatory authority for all Insurance companies

So check with your friend and see what kind and what insurance she had