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What is health insurance for brain surgery?

Health insurance provides financial coverage for a range of medical uncertainties, including hospitalisation, accidents and surgeries. It also covers the cost of a brain surgery if a brain-related condition was diagnosed post policy issuance. It is always advisable to have a comprehensive health insurance to ensure that you’re protected no matter what happens.

What is a brain surgery?

Brain surgery is a medical procedure where doctors operate on the brain to treat problems like tumours, bleeding, injuries or other issues affecting how the brain works. It is done by a specialist called a neurosurgeon. The surgery can involve removing something harmful, fixing damaged areas or relieving pressure inside the head.

When is a brain surgery required?

A brain surgery might be needed to:

  • Remove brain tumour
  • Fix blood vessel problems
  • Relieve pressure
  • Remove blood clot
  • Implant devices for deep brain stimulators

Types of brain surgery

The different types of brain surgeries include:

  • Craniotomy

    The doctor removes a part of the skull to reach the brain and treats conditions like tumours, clots, etc. After the surgery, the skull is put back.

  • Deep Brain Stimulation (DBS)

    DBS involves placing a small, battery-powered device under the skin that sends electrical signals to targeted areas in the brain.

  • Shunt Surgery

    In this procedure, a thin tube or shunt is placed in the brain to drain out extra fluid and reduce pressure. The fluid is drained from the brain to the tummy.

Benefits of buying health insurance for brain surgery

Health insurance for brain surgery offers these benefits:

1

Financial cover

Brain surgeries can be costly, running into several lakhs of rupees. Having a comprehensive health insurance can help cover the high cost.

2

Wide coverage

Depending on the policy’s terms and conditions, health insurance may offer coverage for advanced treatments such as deep brain stimulation for quick recovery.

3

Peace of mind

Having a brain surgery cover gives you peace of mind, which allows you to focus on your recovery rather than worrying about hefty medical bills.

How to buy health insurance for brain surgery?

While purchasing health insurance for brain surgery:

  • Visit the insurer’s website
  • Compare multiple plans and premiums
  • Opt for a plan offering a high sum insured
  • Check the inclusions and exclusions
  • Find out the insurer’s claims settlement ratio
  • Add the critical illness add-on covering brain surgeries
  • Pay the premium for the one that meets your needs

FAQs on brain insurance

Does health insurance cover brain surgery?

It depends on the policy. It is always better to check with your insurer.

Is brain tumour covered by health insurance?

Go through the policy wordings to know if a brain tumour is covered or not. On most occasions, it may not be covered by your base policy.

Will I get health insurance if I already have a brain tumour?

It will depend on the insurer’s underwriting. You may or may not get coverage depending on the condition of your tumour.

Is brain surgery a critical illness?

Yes. Brain surgery generally falls under the category of critical illness as it involves complex procedures that address serious conditions like tumour or traumatic injuries.

How much does brain surgery cost with insurance?

The cost of brain surgery with insurance varies significantly based on factors such as the type of procedure, hospital and your insurance plan's specifics.

Disclaimer:

Please read the sales brochure / policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions.

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ICICI Lombard General Insurance Company Limited,

ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025.

Reg. No.115

Fax no - 022 61961323

Contact - 1800 2666

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ICICI Lombard General Insurance Company Ltd. is one of the leading private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.

ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. CIN: L67200MH2000PLC129408

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