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Does Hair Transplant Cover In Health Insurance?

Hair is considered to be one of the most important parts of the body that determines the individuals’ outer appearance and creates the first impression. On average, every day humans tend to lose 60 to 100 hair, which is very normal. But the alarming part is that almost 58% of males of the age group between 30 years to 50 years tend to face hair loss problems, according to the study of the International Journal of Trichology as per the Indian context. It has been found that, though females do not usually suffer from acute hair loss, they do undergo the same hair loss problem, and day by day this phenomenon is increasing due to the growing pollution level and unhealthy lifestyle. 

Previously hair loss was taken for granted after a certain age as a natural phenomenon and the problem was taken as the general generic issue. But the scenario has changed; and people are more likely to take the hair loss problem seriously and try to find out solutions in different ways.

Reasons For Hair Loss

There are various factors that may become the reason for our hair loss. To get the proper and right treatment for hair loss, at first, we need to detect the reason for that. And, that can be done by only visiting a doctor and getting done right tests done. Here few major reasons for hair loss have been discussed. Have a look at the below mentions.

Lack of nourishment – It is very important to nourish your hair on daily basis. As we need food, so does our hair. For nourishing hair, you need to use the right ingredients that are suitable for your hair type, and also regular washing is pivotal. 

Improper care of hair – Hair is a very delicate part of our body that needs care and protection just like a baby. We need to know the right care for our hair as it may differ from one hair type to another and culture those regularly to keep our hair strong and long-lasting.

Heavy use of hair cosmetics – The mistake we do the most is that without proper knowledge, we use too much cosmetics on our hair thinking that it may help the hair to rejuvenate. It is totally a myth that using too many cosmetics and chemicals can help our hair to stay strong. To prevent hair loss, sometimes, we use certain chemicals or ingredients that can lead to more hair loss.

Genetic hair fall – It is very unfortunate to say, many individuals have the tendency to hair fall after a certain age and that is completely genetic or hereditary. In such cases, it is very difficult to prevent it and costly as well. 

Medication for a long period – If you are under certain medication for a longer period of time, hair fall is the most common consequence that you may face. Apart from that, for certain medicines, hair loss is a side effect. In that case, the hair loss problem is temporary but it needs proper attention and care.

Food habit – Food habit is the most common reason for hair loss. If you are more likely to eat oily and spicy food on a daily basis, you may encounter hair loss and the digestive system directly puts an impact on your scalp.

Lifestyle and sleeping duration – Modern lifestyle has led us to consume fast foods and to have less sleep. Not having proper continuous sleep and rest gives birth to numerous problems including loss of hair. Apart from that, anxiety and stress are the most common enemies of having healthy hair.

Cost of Hair Treatment And Hair Transplantation

The treatment of hair loss problems is not at all cheap and it may put a burden on your pocket. Along with that, medical expenses are sky-rocketing due to the growing inflation rate. the common hair loss treatment includes the right use of suitable oils, shampoos, and other related products. And the medicated and the purely natural products are certainly more expensive than the usual ones. Besides, hair loss management and treatment options are quite varied. Some of them are listed below – over the counter medication, prescription drugs, alternative medicine, surgical procedures, and so on.

Keeping this aside, the solution for acute hair loss is hair transplantation. People who are very much concerned about their look and outer appearance, tend to go for hair transplantation therapy for hair loss. In India, the cost of hair transplantation can easily be calculated. Each graft comprises one to three hair follicles. The cost of each graft in India usually ranges between Rs. 25 to Rs. 45. Henceforth, the cost of the hair transplantation procedure depends on how much grafting you want. Usually, a general hair transplantation procedure needs around grafts to 4600 grafts, depending on the nature of the scalp and amount of hair loss. So, the cost of the procedure may cost you from thousands to lakhs excluding the other protective care for which you need to pay an extra amount.

Does Health Insurance Cover Hair Loss Treatment?

As you can easily calculate the cost of hair transplantation and hair loss treatment, you can see that it is not at all cheap. Now, coming to the vital point is whether the hair loss treatment or the cost of hair transplantation is covered under health insurance policies.

The clear answer is, there is NO such insurance policy that covers these expenses. In fact, there is NO dedicated insurance policy that can offer benefits for this. 

But keeping in mind the growing acute problem of loss of hair and growing consciousness for hair treatment and hair transplant among people, certain easy EMI options are made available to address the problem and to give relief to your financial burden. If you opt for this easy EMI option, the treatment costs would not be so troublesome for you. The bank payments can also be made by availing of a consumer loan from the respective bank that allows you to have the facility. There also might be a possibility that you can get some partner hospital or clinics which can offer you the option of hidden charges. To know about the easy EMI option more, have a look at the below mentions.

Easy EMI Facility For Hair Treatment

In India, certain companies like HDFC Bank and Bajaj Finsery have launched this easy EMI option to help you to pay the expenses of hair treatments without putting much burden on your pocket. Previously, hair transplantation was the affair of the rich people but after this easy EMI facility, the middle-class people can also fetch this solution of hair treatment. To know more about this, have a look at the below mentions.

HDFC Bank EasyEMI option for Hair Transplant Surgery

By availing of Easy EMI instantly on HDFC Bank Debit Card, HDFC Bank Credit Card & Consumer Loans, you can easily get a hair transplant surgery at any moment without having much financial worry.

Ways to avail of Easy EMI with HDFC Bank:

Debit Card EMI:

Your Debit Card has pre-approved limits with which you can get the hair transplantation process done easily. All HDFC Bank Debit Card holders are eligible for this facility. The payment tenure is flexible. You can choose a tenure according to your needs, from 3 months to 36 months, with their pocket-friendly repayment options. No documentation is required to Debit Card EMI.

Credit Card EMI:

All HDFC Bank Credit Card holders excluding Business & Corporate Credit Card are eligible based on the card limit. You do not need to do any down payment for it. There is no waiting period for this product and you can get the fund instantly.

Consumer Loans:

Availing of your hair transplantation procedure or any other consumer durable product has just got easier with HDFC Bank’s EasyEMIs on consumer durable loans.

Eligibility Criteria for Consumer Loans:

ParametersDescription
Age band

Salaried employees, 21 – 60 years

Self-employed individuals, 26 – 65 years

Minimum income

HDFC Bank Salary Account Customers – Rs. 15,000

Others – Rs. 18,000

Self Employed – ITR of Rs. 1.5 lakhs

Tenure6 -36 months (depending on product type)
Minimum loan amountRs. 10,000
Maximum loan amount

Durables: Rs. 5,00,000

Lifestyle Product: Rs. 15,00,000

Bajaj Finserv EMI Facility For Hair Restoration And Cosmetic Surgery

With Bajaj Finserv EMI Network, you can get the hair restoration and cosmetic surgery of your choice done at any time. You can convert the cost of the treatment into No Cost EMIs and repay over a tenor that is suitable for you. Charges for this may vary depending on the partner and the type of treatment you are receiving. For hair restoration and cosmetic surgery, the charge is Rs. 767.

Eligibility Criteria:

The Bajaj Finserv Digital Health EMI Network can be availed of only by the existing Bajaj Finserv EMI Card Holders. Otherwise, you can also avail of financing at any of their partner centers. 

Features and benefits of Bajaj Finserv Digital Health EMI Network:

  • You can pay for all your medical expenses of up to Rs. 4 lakhs on No Cost EMIs.
  • You can get online instant approval.
  • You can pay for your medical treatments in flexible tenors for up to 24 months.
  •  Bajaj Finserv Digital Health EMI Network Card is activated instantly as well.
  • You can foreclose your loan at any time only after you have paid the first EMI. For this, you do not have to pay any extra foreclose charges.

Frequently Asked Questions

The rate of interest for HDFC Bank Debit Card EMI is flat at 16%.

It depends on the tenure in months as follows.

Tenure in monthsRate of interest per annum
315%
615%
915%
1215%
1815%
2415%

No, as the surgery is cosmetic in nature, it is excluded from the coverage. In recent times, many cosmetic treatments are increasingly being included by major health care insurance providers in India. However, hair transplant still remains excluded.

Follow the below steps to avail of the product smoothly:

  • At first, you need to choose your product
  • Then, opt for the EMI transaction on Credit Card 
  • Swipe your card
  • You are done. Now you can avail of your facility within 1 min.

The required documents are:

Salaried employees – Latest photo, Identity proof (PAN Card), Address proof (Aadhar Card, Passport, Driving license, Electricity bill).

Self-employed individuals – Latest ITRs with a statement of the computation of income.

The required documents are as follows:

  • For the existing Bajaj Finserv EMI Network card holder, no document submission is required.
  • New Bajaj Finserv customers need to submit their KYC documents and NACH mandate to avail of a Heath Network EMI Card.
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