On World Brain Tumour Day 2025, industry experts have highlighted the increasing financial burden of treating brain tumours and the vital role of health insurance in covering associated costs. While standard health insurance policies typically include brain tumour treatments, gaps in coverage and high out-of-pocket expenses remain concerns.

Standard health insurance policies in India generally cover brain tumour treatments, including surgery, radiation, chemotherapy, and hospitalisation.

“All health insurances cover brain tumour. No policy excludes it unless it is a pre-existing condition that the insured has failed to disclose,” said Hari Radhakrishnan, an expert with the Insurance Brokers Association of India (IBAI).

G Srinivasan, MD & CEO of Galaxy Health Insurance, added that long-term oral chemotherapy is also covered under most plans.

“Advanced treatments like robotic and stereotactic surgeries are included as well, though some policies impose sub-limits,” he said.

Vaibhav Kathju, Founder and CEO of InkaSure, said, “Most standard health insurance plans cover surgery, radiation, and hospitalisation linked to brain tumour treatment.”

The cost of treatment can vary widely depending on hospital type, duration, and complexity.

“On average, surgery in a private hospital costs ₹3 lakh to ₹7 lakh,” said Srinivasan.

Kathju pegged the broader treatment range between ₹5 lakh and ₹25 lakh for severe or extended cases.

Insurance can reduce these expenses significantly by covering pre- and post-hospitalization, therapy, and even some advanced procedures.

Coverage Exclusions

Despite the coverage, certain exclusions remain important.

“Policies typically have a 30-day initial waiting period, and pre-existing conditions are covered only after a 3-year waiting period,” Srinivasan said.

He also noted that congenital conditions like epilepsy may be permanently excluded, and unproven or experimental treatments are not covered.

Kathju added that genetic brain disorders are often not covered.

“Policyholders must read their policy documents and understand limitations clearly,” he advised.

Increasing Claims

Insurers are seeing more claims related to brain-related conditions.

“Health insurance claims related to brain tumours and other neurological disorders have increased in recent years,” Srinivasan said.

While comprehensive policies do provide broad protection, they don’t always cover indirect costs.

“Second opinions, rehabilitation, travel for treatment, or income loss during recovery often remain uncovered,” Kathju said.

Experts recommend an additional cancer insurance plan for better financial security.

“At InkaSure, we advise supplementing base plans with a cancer policy that pays a lump sum on diagnosis,” said Kathju. “This offers flexibility and helps families manage non-medical and lifestyle-related expenses.”

Source: CNBC TV18.