Health Insurance For Brain Tumour Surgery

The brain is a vital organ essential for the proper functioning of the human body. From controlling basic activities such as walking, running, talking, and eating to helping us solve complex mathematical problems - your brain does everything. However, the rise in sedentary lifestyles, lack of sleep, and excessive stress among individuals have led to an increased risk of brain tumours and other life-threatening diseases affecting central nervous system ailments.

As per the data published by the National Library of Medicine,

‘The incidence of the central nervous system (CNS) tumours in India ranges from 5 to 10 per 100,000 population with an increasing trend and accounts for 2% of malignancies.’

Also, according to the Indian Council of Medical Research, Hospital Based Cancer Registry Data (2021),

‘Brain tumours accounted for 1.6% relative to all other cancer sites.’

Although relatively rare, brain tumours are a prevalent health issue with the ability to cause severe damage. But does your health insurance cover you against brain tumours? Let us find out more about it.

What Is A Brain Tumour?

A brain tumour is an abnormal tissue mass arising from the cells within the brain. Today, we know the existence of more than 150 types of brain tumours, but the two main groups are primary and metastatic. Also, primary brain tumours can be classified as benign (non-cancerous) and malignant (cancerous) depending on their ability to affect the surrounding tissues.

A brain tumour can turn cancerous, which is why it is essential to keep a check on your health regularly. However, treating brain tumours is an expensive affair in India. India’s average brain surgery cost ranges between INR 1 to 5 Lakhs. However, various factors affect the cost of brain tumour surgery in India such as:

• City of treatment
• Oncologist fee
• Age of the patient
• The medical condition of the patient
• Diagnostic tests
• Hospital fee
• Room rent, and more

What Are The Symptoms Of Brain Tumour?

Depending on the size of the brain tumour, every individual may see some of the symptoms listed below. If you have the below-mentioned symptoms often you must consult a neurologist as soon as possible.

• Severe headaches that occur often
• Vomiting with headaches in the morning
• Brain fog and often getting confused daily
• Difficulty in concentrating
• Weakness or numbness on one side of your body, face, limbs
• Hearing, vision, or speech issues
• Memory problems and difficulty in understanding

How Are Brain Tumours Treated?

Brain tumours are treated in different ways as suggested by your doctor. It can be treated by surgery, radiation, chemotherapy, or a combination. Cancerous tumours are treated by chemotherapy or radiation but the treatments vary case by case depending on various factors.

However, the question arises ‘Does health insurance cover brain surgery in India?’

Health Insurance For Brain Tumour Surgery In India

Health Insurance In India covers brain surgery treatment. Leading health insurers in India provide health plans covering expenses for brain tumour surgery like hospitalization expenses, ICU charges, ambulance charges, pre-hospitalization, post-hospitalization, and others.

Let us take a look at some of the health insurance plans for brain tumour surgery (which falls under the critical illness category in health insurance).

If you have a history of critical illnesses in your family, it is suggested to invest in a versatile critical illness health plan. These plans will pay you a lump sum amount on diagnosis of a brain tumour if covered by your critical illness health policy. However, you must read the terms and conditions of each plan carefully as not all critical illness health policy covers brain tumours. Health insurance for a brain tumour will clearly state its coverage conditions along with sub-limits.

Waiting Period In Health Insurance For Brain Tumour Surgery

Now that we know that health insurance plans cover brain tumour surgery, let us answer another important question. Is there a waiting period before brain tumour surgery is covered?

The short answer is Yes!

Each health insurance for brain tumour surgery has a specific waiting period pre-defined by the insurer. While serving the waiting period, you can not file a claim for treatments availed for brain surgery. In most cases, critical illness health plans also require you to outlive the survival period. The survival period is the pre-defined period that you must outlive from the day of diagnosis to get all the coverage benefits.

Investing in a critical illness health plan or health insurance for brain tumour surgery in India is crucial as the treatment for the same can drain your life savings. The ever-rising medical inflation and hefty hospitalization bills are the reason for expensive treatments for life-threatening ailments like brain tumours.

To Wrap It Up

A brain tumour can be fatal and must be detected at an early stage to prevent life-threatening conditions. An early diagnosis can save your life. However, the surgical removal of a brain tumour can be expensive. It is essential to invest in health insurance coverage for brain tumour surgery to help you financially in your recovery journey.

Have more questions about brain tumour surgery health coverage in India? Connect with our insurance experts at 1800–4200-269.

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