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Lung Cancer - Causes, Symptoms, Health Insurance Coverage

Name: Health Insurance for Lung Cancer
Brand: Reliance General Insurance
Rating: 4.2 (158 reviews)

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What Is Lung Cancer?

A person is diagnosed with cancer when his/ her body cells grow abnormally. When cells of lungs grow abnormally, this health condition is called lung cancer. Cancer can spread from the lungs to other parts of the body like the brain. Cancer from other body parts can also spread to the lungs. Lung cancer are of two types, small cell, and non-small cell. They both are treated differently. However, the non-small cell type of lung cancer is more common.

Symptoms

Signs and symptoms of lung cancer are mentioned below:

Coughing for 2 to 3 weeks straight
Continuous infection in chest
Blood in cough
Wheezing
Pain while coughing or breathing
Pain or ache while breathing or coughing
Breathlessness for longer time
Always tired
Drastic weight loss
Loss of appetite
Pain while swallowing
Swelling of face or neck
Pain in the shoulder or chest for a longer time

If you are facing any of the symptoms mentioned above, you should immediately book an appointment with your doctor.

Diagnosis

Your doctor will ask you questions regarding your medical history and symptoms. You should brief them in detail. The doctor will physically examine you and might ask you to breathe into a spirometer. This device measures the quantity of air breathed in and out.

Your doctor may ask you to go through the following tests:

Chest X-ray: This is the first test that your doctor will ask for. However, this is not the most definitive diagnosis. Chest X-ray can’t distinguish between lung abscess and lung cancer.
CT Scan: A CT scan helps your doctor enormously as it creates a detailed image of your body. Before the CT scan, you will be injected with a special dye, which is called a contrast medium. This dye helps in enhancing the quality of the images. It will only take 10 to 30 minutes.
PET-CT scan: A PET-CT or Positron Emission Tomography-Computerised Tomography scan helps doctors identifying where active cancer cells are in the lungs. You will be injected with a radioactive material before this scan. This test takes 30 to 60 minutes.
Bronchoscopy and biopsy: This process allows doctors to see the inside of your airways.

Treatment

Treatment of lung cancer depends on the type. Small cell lung cancer can be treated with the help of chemotherapy and radiation therapy. Along with these therapies, non-small cell lung cancer can also be treated with surgery or targeted therapy.

In surgical treatment, cancer tissues are cut out.
In chemotherapy, medications are given to shrink or kill cancer.
In radiation therapy, X-rays are used to kill cancer.
In targeted therapy, medications are given to reduce the spread of cancer cells.

Health Insurance

The cost of treatment of lung cancer is high. To get the proper treatment, you need financial support, and this support is given by health insurance plans. The financial coverage will take care of your medical expenses and hospitalization bills. You should buy critical illness health insurance cover as it provides comprehensive coverage for chronic diseases like lung cancer. The critical illness policy will give sum insured value as a lump sum amount on claim. With the help of a health insurance plan, you can get the best treatment at one of the many network hospitals of your insurer.

Frequently Asked Questions

What is the current GST rate on health insurance premiums?
During the 56th GST Council Meeting in New Delhi, the Indian Government revealed a groundbreaking decision to exempt all health insurance policies from GST, starting September 22, 2025. The GST rate on health insurance premiums has been lowered to zero. Previously, premiums faced an 18% GST, which greatly raised the total cost.With this exemption, only the base premium is charged - making health insurance more affordable and accessible for individuals.
How does the GST exemption impact my health insurance premium?
With Zero GST, your premium is now reduced by up to 18% compared to before.You won't have to pay tax on health insurance policies anymore.This change is effective for new purchases and renewals starting September 22, 2025.
Example: A policy that earlier cost ₹15,000 (including ₹2,288 GST) will now cost approximately ₹12,712 - saving you nearly ₹2,300
Will my existing health insurance policy benefit from the GST exemption?
Yes, renewals made on or after September 22, 2025 will benefit from Zero GST.If your policy was issued before this date, GST still applies.The exemption is tied to the policy issuance and renewal date, not just payment.Future renewals will reflect the GST-free pricing, reducing your premium cost.
Do I need to pay GST on health insurance purchased before September 22, 2025?
Yes, policies purchased or issued before September 22, 2025 still include 18% GST.The Zero GST exemption applies only to policies issued or renewed on or after that date.Future renewals will reflect the GST-free pricing.
What does the new GST regulation effective 22nd September mean for Health Insurance premiums?
Starting 22nd September 2025, the GST (Goods and Services Tax) on individual health insurance premiums has been reduced to 0%, down from the earlier rate of 18%.
What this means for you:
Lower Premiums: You'll now pay only the base premium-no GST added.
Will my Health Infinity renewal premium reduce after the GST removal?
Yes, Your Health Infinity renewal premium will decrease if the renewal takes place on or after September 22, 2025.
Does the GST regulation apply to both new purchases and renewals of Health Insurance?
Yes, the new GST regulation effective from 22nd September 2025 applies to both new purchases and renewals of individual health insurance policies.
Does the GST change impact Health Gain, Health Infinity, Super Top-Up, and Hospi Care plans equally?
Yes, The GST exemption starting from 22nd September 2025 is applicable to health insurance plans such as Health Gain, Health Infinity, Super Top-Up, and Hospi Care. Provided that the policy is issued and the risk begins on or after this date, there will be no 18% GST charged on premiums. This change makes these plans more budget-friendly for both new purchases and renewals.
I renewed my health policy before 22nd September with GST - am I eligible for adjustment?
If your health insurance policy was renewed before September 22, 2025, and you paid GST, you are not eligible for any refunds or adjustments,The GST exemption applies only to transactions made on or after the effective date. Since your payment was completed earlier, the GST charged was valid under the previous tax rules and cannot be retrospectively refunded.

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Disease-Specific Health Insurance

Lung Cancer - Causes, Symptoms, Health Insurance Coverage

Plan Details

Plan Details

​What Is Lung Cancer?

Symptoms

Signs and symptoms of lung cancer are mentioned below:

​Diagnosis

Treatment

​Health Insurance

Frequently Asked Questi​​ons

Relevant Links for Health Insurance

Health Insurance for Top Locations

Disease-Specific Health Insurance

What Is Lung Cancer?

Diagnosis

Health Insurance

Frequently Asked Questions