Genetic testing has become a vital tool in preventive healthcare, especially for people with a family history of cancer. Among these tests, BRCA testing is one of the most widely recommended, as it helps identify mutations in the BRCA1 and BRCA2 genes that significantly increase the risk of breast and ovarian cancers. While the medical importance of the test is well established, the BRCA testing cost in India and whether insurance covers it remains a common concern for patients and families.
What is BRCA Testing?
BRCA testing is a type of genetic test that examines mutations in the BRCA1 and BRCA2 genes. Women with these mutations have a much higher lifetime risk of developing breast and ovarian cancers compared to those without the mutation. Men with BRCA mutations may also face an increased risk of prostate and pancreatic cancers. Doctors often recommend the test for individuals with a strong family history of these cancers.
BRCA Testing Cost in India
In India, the BRCA testing cost typically ranges from ₹15,000 to ₹40,000, depending on the hospital, laboratory, and whether it is a standalone test or part of a larger cancer risk panel. Some advanced tests, which include multi-gene panels for hereditary cancers, can even go beyond ₹50,000.
The cost variation arises due to:
- The technology and method used (next-generation sequencing vs. traditional methods)
- Whether the test is done locally or sent abroad
- The inclusion of genetic counseling before and after testing
For many families, this expense can be significant, making the question of insurance coverage extremely relevant.
Does Insurance Cover BRCA Testing Cost in India?
Health insurance in India has evolved rapidly in recent years, but coverage for genetic testing remains limited. Traditionally, most policies excluded preventive genetic tests, including BRCA. However, after the Insurance Regulatory and Development Authority of India (IRDAI) revised guidelines in 2019, insurers can no longer categorically deny coverage for genetic conditions. Still, in practice, many policies do not explicitly include BRCA testing under standard coverage.
Current Scenario:
- Preventive vs. Diagnostic Coverage
- If BRCA testing is recommended by a doctor as part of cancer diagnosis or treatment planning, some insurers may reimburse the cost under diagnostic benefits.
- If it is requested purely as a preventive test for risk assessment, insurers often decline coverage.
- Cancer-Specific Insurance Plans
- A few cancer insurance policies may indirectly cover BRCA testing if it is deemed necessary for treatment decisions. However, this varies across providers.
- Corporate and Premium Plans
- Some high-end or corporate-sponsored health plans are more likely to cover genetic tests, including BRCA, especially if there is a documented medical necessity.
- Policy-Specific Clauses
- Coverage depends heavily on individual policy wording. Some plans may partially reimburse costs, while others exclude genetic tests entirely.
How to Check If Your Insurance Covers It
If you are considering BRCA testing, here are steps to verify coverage:
- Read your policy document carefully for mentions of “genetic testing,” “diagnostic procedures,” or “cancer screening.”
- Contact your insurer directly and request a written confirmation about BRCA test coverage.
- Ask your hospital or lab if they have tie-ups with insurers for partial or full reimbursement.
- Explore employer health benefits, as corporate plans may be more flexible.
Alternatives to Reduce BRCA Testing Cost
Since insurance coverage is not guaranteed, patients can explore alternatives to manage expenses:
- Hospital tie-ups and discounts: Some hospitals offer BRCA testing at reduced rates during cancer awareness campaigns.
- Research and NGO funding: Certain cancer foundations provide financial support for high-risk patients.
- Genetic counseling packages: Opting for bundled counseling and testing may lower the overall cost.
Conclusion
While the BRCA testing cost in India ranges from ₹15,000 to ₹40,000 or more, insurance coverage is still inconsistent. Some policies may reimburse the test if it is medically indicated, while others treat it as an out-of-pocket preventive expense. With growing awareness of hereditary cancers, more insurers may begin including BRCA testing in the near future. Until then, patients should carefully check their policy terms, consult with their healthcare provider, and explore financial assistance options to make this crucial test more affordable.