Menopause is a natural part of ageing. But for many, its symptoms can be disruptive and difficult to manage. Whether it's hot flushes, mood swings or sleep problems, understanding your treatment options – and whether they're covered by health insurance – can make a big difference.
Key takeaways:
Medical menopause happens when the ovaries stop working because of medical treatment, like chemotherapy, surgery or certain medicines. It often affects younger women and starts earlier than natural menopause.
Natural menopause happens gradually as hormone levels drop with age. In natural menopause, periods stop over time as the ovaries slowly stop working.
Menopause isn’t usually classed as a medical condition. That’s because it’s considered a normal part of ageing for women, marking the end of their reproductive years.
However, you can talk to a doctor if your menopause symptoms are problematic. These can be treated with medical interventions, including hormone therapy.
Michelle Cooper, Director of Health and Travel Insurance
Menopause affects everyone differently, but many people experience a range of physical and emotional symptoms.
Common symptoms include:
If your periods haven’t stopped but you’re experiencing symptoms of menopause, this is called ‘perimenopause’. This ends and becomes menopause when you go one year without having a period.
You can get similar symptoms to menopause with perimenopause, including anxiety, hot flushes and mood swings.
Menopause can be managed in several ways, depending on your symptoms, medical history and personal preferences. Common treatment options include:
Some health insurance plans cover menopause treatments. What’s included depends on your provider, but you may get:
Explore what health insurance covers in more detail in our guide.
Coverage for menopause varies by provider. Some may include HRT and prescriptions, while others may not – so it’s important to check your policy.
Many plans don’t cover long-term care for menopause symptoms, as it’s seen as a natural part of ageing. Some tests and scans to diagnose menopause symptoms may not be included.
Covered by Saga (subject to eligibility)
Not covered by Saga
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