Relationship manager
For every customer
Does Health Insurance Cover Brain Tumour?
The brain is one of the most important organs in your body. It is responsible for your memory, intelligence, senses, behaviour and body movement. Even the slightest issue with the functioning of the brain can cause critical diseases, such as a brain tumour. In case you are worried if a brain tumour will be covered by your health insurance policy or not, read on to find out.
Policybazaar exclusive benefits
30 minutes claim support##
(In 120+ cities)
24*7 claims assistance
In 30 mins. guaranteed*
Instant policy issuance
No medical tests~
People trust Policybazaar^
13.2 crore
Registered consumers
53
Insurance partners
6.29 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
Save Big with 0% GST & upto 25% Discount**
Select members you want to insure
More Members
Maximum child sum can be 4
-
Home
-
Health Insurance
-
Articles - General Info
- Does Health Insurance Cover Brain Tumour?
What is Brain Tumour?
A brain tumour refers to the abnormal growth of cells or lumps in the brain. This group of cells has an uncontrollable growth pattern and can compress brain tissues & other structures in the skull. As a result, a brain tumour can be life-threatening. A brain tumour can be either malignant or benign.
- Malignant brain tumours: These are cancerous and can spread to other body parts.
- Benign brain tumours: These are non-cancerous and do not spread to other parts of the body.
As per the International Association of Cancer Registers (IARC), about 28,000 brain tumour cases are registered in India every year; however, according to the Indian Council of Medical Research (ICMR) statistics, the total number of brain tumour cases in India can be around 40,000 if unreported cases are also taken into consideration. Out of total registrations, 24,000 people lose their lives due to the disease or its complications.
If diagnosed at an early stage, brain tumours may be removed with surgery. However, the cost to remove a brain tumour is high. In India, a brain tumour surgery costs somewhere between Rs 2.5 lakh to Rs 8 lakh on average, depending on the type of surgery, hospital and stage of the tumour.
The craniotomy brain tumour treatment cost in India is between ₹2 lakh and ₹ 5 lakh, while neuroendoscopy in India can range from ₹6 lakh to ₹8 lakh.
However, the prices may also vary depending on the city and the type of hospital where the surgery is being conducted. For example, a brain tumour surgery in Delhi will be more expensive than the one done in Patna. Similarly, the cost of brain tumour surgery in a private hospital will be more than in a government hospital.
Is Brain Tumour Covered by Health Insurance Plans in India?
Yes, brain tumours are covered under health insurance plans in India. They provide coverage for the medical expenses incurred on brain tumour surgery. It also covers the cost of hospitalization, ICU charges, ambulance charges, pre-hospitalization, post-hospitalization, room rent, OT charges and other medical expenses incurred during the brain tumour surgery. The scope of coverage in health insurance for brain tumour may vary from one policy to another.
In case you are suffering from a benign brain tumour, the surgery cost will be covered under a critical illness insurance policy. Under this type of policy, your insurance company will provide you with a lump sum amount equal to the sum insured upon diagnosis of the brain tumour. The amount can be used to pay the surgery cost, medical bills, medicine costs, etc.
However, not all critical illness plans provide coverage for benign brain tumour costs. Therefore, you must read your policy documents carefully to know if it covers brain tumours or not.
Waiting Period for Brain Tumour Under Health Insurance
All health insurance plans will provide coverage for brain tumours once the waiting period is over. In case you raise a claim for brain tumour surgery during the waiting period, your insurance company will have the right to reject it. This is because you are allowed to raise a claim under the health policy only after the waiting period has ended.
Usually, all regular health insurance plans come with an initial waiting period of 30 days. However, if you have a critical illness insurance policy, you can raise a claim for the medical expenses incurred on brain tumour surgery after a waiting period of 90 days.
Moreover, critical illness insurance plans also come with a survival period of 30 days. If the insured patient dies within 30 days of raising the claim, then the insurance company will not be liable to pay the claim amount.
Summing It Up
A brain tumour is a critical illness that can lead to severe brain damage and can be fatal. However, early diagnosis of the disease is essential for timely brain tumour removal surgery. However, it is an expensive surgery and thus, having a critical illness insurance policy is advisable to cover the brain tumour surgery cost so that you can focus on treatment and recovery. Just make sure to go through the waiting period and policy details carefully before you raise any claim.
FAQs
-
Q1. Can I claim benefits if I have a brain tumour?
Ans: Yes. You can file a health insurance claim for a brain tumour as it is considered a life-threatening disease. Most medical insurance plans cover brain tumour treatment costs under indemnity-based health insurance or critical illness plans. However, the coverage and eligibility may differ from plan to plan. -
Q2. How much does 3 months of chemo cost?
Ans: The chemotherapy cost depends on various factors like the disease’s stage, drugs used, number of cycles, hospital type, location, and so on. Usually, a cycle lasts for 2-4 weeks (including the treatment phase and the rest phase). One chemo cycle usually costs from ₹15,000 to ₹1 lakh or more, depending on the above factors.
Hence, if one cycle is of 2 weeks, implying there shall be 2 cycles in a month. The cost of chemotherapy for 3 months can range from ₹90,000 to ₹6 lakh or more. -
Q3. Are brain tumours 100% fatal?
Ans: No. Brain tumours are not 100% fatal if diagnosed and treated timely. However, the survival rate for a brain tumour patient depends on various factors like type and grade of the tumour, shape and size of the tumour, location in the brain, biomarkers, patient’s age, etc. -
Q4. How much does it cost to have a brain tumour removed?
Ans: The average brain tumour surgery cost in India is between ₹1,00,000 and ₹5,00,000, apart from the costs of the pre-procedure tests, follow-up consultations, medicines and post-operative care. A complex surgery (like advanced radiosurgery) can, however, range up to ₹8,50,000 or more. -
Q5. Will brain tumour be covered if it is a pre-existing disease?
Ans: If you are diagnosed with a brain tumour before buying a health insurance plan, it will be covered after a waiting period of 2-3 years under a standard health insurance plan. However, full disclosure is required at your end to avoid claim rejections.
Search
Health insurance companies
@2x.png){kind=logo}
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Health Insurance Articles
- Recent Article
- Popular Articles
17 Dec 2025
Is a Fractured Leg Covered in Health Insurance?
A broken bone is referred to as a fracture in medical terms
Read more
21 Nov 2025
What is Unlimited Sum Insured in Health Insurance?
Unlimited sum insured in health insurance, as the name suggests
Read more
15 Nov 2025
10 Diseases Caused by Air Pollution You Must be...
Air pollution is more dangerous for your health than you can think
Read more
29 Jul 2025
What are Medical Expenses in Health Insurance?
Health insurance plays an important role in managing the financial
Read more
21 Jul 2025
Standalone Health Insurance Companies in India
With rising healthcare costs, health insurance has become a
Read more
*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2027, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies
© Copyright 2008-2025 policybazaar.com. All Rights Reserved.
Insurance
Calculators
Payment Methods
Secured With
Follow us on
