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Hair is the most important part of the personality but unfortunately, 58% of males, aged between 30 years to 50 years are facing the hair loss problems, says International Journal of Trichology in the Indian context.

Females are suffering less but they too are contributing to the scenario. People in India generally accepted the baldness in early times calling it a general genetic phenomenon that is common and comes after a certain age. The time has changed and people are more serious about there appearance and personality. 

Clinically hair loss has been termed as alopecia. The excess of hair fall also results in baldness. This baldness has become a dreadful nightmare for men/women at an early age. People who are conscious about their looks are more troubled with the issue. The other query disturbing them is about hair fall cover in health insurance.

Coming on to hair transplant cover in a health insurance policy, it is essential to make it very clear that there is nothing like hair loss health insurance. No health insurance company has any procedures for alopecia. All the expenses incurred under the hair loss treatment is to be borne by the self.

Hair loss does not get health insurance coverage. The grafting method is the best hair fall treatment method at present. The hair fall might have occurred because of several reasons like:

  • Use of hair cosmetics
  • Improper care of hair
  • Lack of nutrition in the body
  • Medication for a longer time
  • Hereditary hair fall
  • Improper shampooing and brushing of hair.

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Hair Transplantation Is Little Expensive

The hair transplantation costing can be calculated easily by the calculation of the grafting method used in India. Each graft contains 1-3 hair follicles. The cost per graft in India falls between Rs. 25-45. So, it depends on the number of grafts being transplanted. Generally, the transplantation can range from 500 grafts to 4500 grafts depending on the extent of hair loss and the charges may go high accordingly that is not covered under health insurance for hair loss. 

Relief For Hair Fall Treatment

The hair fall treatment can charge you from several thousand to a few lakhs. Spending a huge amount at a time can make you suffer on the financial ground but you cannot compromise with your looks and personality even if you do not get hair loss health insurance.

Although there is nothing like hair loss health insurance, yet there is a way out to get the hair loss treatment in an easier way. Hairfall treatment can easily be afforded through EasyEMI. There are companies like HDFC and Bajaj Finserv who have launched EasyEMI service to help the group of people preferring to take hair fall treatment in the absence of hair fall cover under health insurance.

Let us explore more about EasyEMI for the two providers:

HDFC Bank EasyEMI Facility For Hair Transplant

Getting your hair transplant can prove very expensive to you and it can disturb the whole of your savings in the absence of hair loss health insurance cover. The HDFC bank has launched the EasyEMI using which the hair loss treatment expenses would not trouble you so much. The payments can be done in EMI or installment. 

The payments can be done using the HDFC debit card/ credit card. You can also avail of consumer loans from HDFC. The facility is available at the partner clinics and there is No Extra Cost charged on the payments done.

Tenure of 3 months to 36 months can be chosen to pay back the EMIs for hair fall treatment. The EasyEMI service is an appreciable substitute to hair transplant cover in health insurance.

Read: Things To Remember While Purchasing Child Health Insurance

Bajaj Finserv EasyEMI Facility For Hair Transplant

The Bajaj Finserv provides an EMI facility with Lifecare Finance. The facility is available in 400+ cities and there are 2700+ partner clinics or hospitals.

Here are the parameters based on which the Bajaj Finserv provides the facility:

Eligibility:

  • People between the age of 21 years to 60 years are eligible to get the facility for hair fall treatment.
  • The person should have a regular source of income.

How To Get Hair Fall Treatment If You Have An EMI Card

In case you want to avail of the facility you can reach out to any of the network clinics and swipe the EMI card to avail the facilities.

How Can You Avail Facility If You Do Not Have EMI Card

Visit the partner clinic and connect with the Bajaj representative to get instant approval. Thereafter the documentation process is to be done for that the documents required for KYC will be:

  • One canceled cheque
  • Duly filled application form with name and mobile number.
  • ECS mandate duly signed

Thereafter you can avail the treatment at your ease even if you don’t have hair loss health insurance. The repayment tenure for the EMIs can be stretched to 12 months maximum. The application form can be found on the official site of Bajaj Finserv. The Bajaj Finserv also provides loans up to 4.5 lakh. With its help, the medical expenses can be converted into EasyEMI with the Bajaj Finserv EMI network.

Inferiority complex and lack of confidence are the only things that hair loss/ alopecia can bring to you. So, its time to rise and shine. No need to worry if there is no health insurance for hair loss. Get the hair loss treatment with the help of EasyEMI and enhance your personality.

Also Read: Health Insurance Plan For Dengue Patients 

Naval Goel is the founder of PolicyX.com. He is an Associate Member of the Indian Institute of Insurance`, Pune. He has been authorized by IRDA to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
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