Best Health Insurance Plans for Brain Surgery in India

What is Brain Surgery?

Brain surgery refers to a surgery that corrects any physical anomaly in the brain. It involves repairing any structural problems in the brain that may be present from birth or arise due to a disease or injury. Moreover, brain surgeries are also done to treat medical conditions that may pose a risk of critical health problems.

Brain surgery is a critical and complicated procedure that involves the risk of bleeding, swelling, coma, memory loss, etc. Therefore, it is carried out by neurosurgeons with extra caution in the presence of an anesthesiologist. However, medical advancement today allows surgeons to operate on a part of the brain without making an incision in or near the patient's head.

When is a Brain Surgery Required?

Brain surgery may be required to treat the following diseases or medical conditions within or around the brain:

Brain tumours
Aneurysm
Bleeding
Blood clots
Nerve damage or irritation
Skull fracture
Stroke
Parkinson's disease
Epilepsy
Pressure post head injury
Fluid building in the brain
Abnormal blood vessels
Damages to Dura tissue
Abscesses

Types of Brain Surgery

Several types of brain surgeries are done to treat different medical conditions, depending on the medical condition and the area of the brain involved. Take a look at the various types of brain surgery below:

Craniotomy
Neuroendoscopy
Deep Brain Stimulation
Biopsy
Posterior Fossa Decompression
Thrombectomy and Cerebral Aneurysm Repair
Endonasal Endoscopic Surgery

Benefits of Buying Health Insurance for Brain Surgery

Check out the key reasons for buying a health insurance policy for brain surgery:

Expensive Surgery Cost

Brain surgery is a critical as well as an expensive surgery. Usually, brain surgery in India can cost somewhere between ₹2.5 lakh to ₹15 lakh, depending on the medical condition and the type of surgery. Besides, the surgery cost may be higher in a tier-1 private hospital than in a tier-2 government hospital. For example, brain surgery at a hospital in Mumbai may cost more than in Pune. But by buying health insurance for surgery, the insured can be operated by the best surgeon among the best medical facilities without losing their lifelong savings.
Extensive Medical Coverage

Undergoing a brain surgery involves more than just the operation. Several diagnostic tests and scans are required before and after the surgery, such as CT scans, MRI scans, etc., that can cost a lot. Moreover, regular doctor consultations and recovery care post-hospitalization can add to these medical expenses. However, people with critical illness insurance can use the lump sum amount paid by their insurer to pay for all these expenses incurred before, during and after a brain surgery.
Coverage for Deep Brain Stimulation Surgery

Deep brain stimulation is an expensive brain surgery used to implant electrodes in the brain tissue by making small holes. As per reports, the average cost of a deep brain stimulation surgery ranges between ₹8 lakh to ₹15 lakh. This is why not everyone can afford to undergo this surgery. However, most health plans provide deep brain stimulation insurance coverage as a modern treatment, making it affordable for everyone.

Inclusions of Health Insurance for Brain Surgery

Health insurance for brain surgery includes the following:

Surgery cost
Hospitalization expenses
Second e-opinion
Emergency ambulance services
Physiotherapy care
Hospital cash allowance
Diagnostic cover
Loss of income cover
Child education benefit
Health check-up benefit
Loan protection cover

Exclusions of Health Insurance for Brain Surgery

The following expenses are excluded under health insurance for brain surgery:

Burr hole surgery
Brain surgery due to an accident
Transphenoidal procedures
Neurocysticercosis
Non-allopathic treatments
Unproven treatments
Injuries due to participation in adventure sports
Self-inflicted injuries

Tips to Prevent a Brain Surgery

Check out a few tips to prevent a brain tumor that leads to a brain surgery:

Get at least 7-9 hours of uninterrupted sleep
Mediate or practice yoga to reduce stress
Eat a healthy diet rich in antioxidants, omega-3 fatty acids, fruits, vegetables, lean protein and whole grains
Exercise regularly to boost your brain health
Limit exposure to cell phones and environmental toxins
Quit smoking and limit the consumption of alcohol
Minimise unnecessary exposure to radiation, such as X-rays

FAQs

Q1. Does insurance cover brain surgery?

Ans: Yes. Most health insurance companies provide coverage for brain surgery under their critical illness insurance plans.
Q2. Is deep brain stimulation covered by insurance in India?

Ans: Yes. Deep brain stimulation is covered by health insurance plans in India as a modern treatment.
Q3. Can I get health insurance after brain surgery?

Ans: It can be difficult for you to buy health insurance after a brain surgery. However, you can contact your preferred insurance company and find out if they offer insurance to people after brain surgery.
Q4. Is there any free health insurance for kidney patientsHow much does brain surgery cost with insurance?

Ans: If you have a mediclaim policy, your insurance company will pay for your brain surgery cost up to the sum insured limit.
Q5. Does insurance cover brain tumors?

Ans: Yes. Most critical illness insurance plans cover the cost of brain surgery performed to remove a tumor from the brain.

Health insurance companies

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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