Do Star Health Insurance Plans Cover Cataract Surgery?

Cataract is a common eye disease in India, especially among older people. According to the National Blindness and Visual Impairment Survey 2015-19, about 66.2% of the total cases of blindness in India resulted from cataract.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    What is Cataract?

    A cataract is a disease that leads to the clouding of the clear eye lens. It is the gradual occurrence of a layer on the eye lens that blocks natural vision. It results in a blur or partial vision and can lead to blindness. Cataract develops slowly and does not impact eye vision initially. It increases over time and can eventually interfere with a person’s eyesight. As a result, cataract is mostly diagnosed in elderly people above the age of 50 years.

    When a person develops cataract, their vision is similar to looking through a fogged-up window. It makes it difficult for people with cataract to see clearly and do regular activities, such as reading a book or driving a car. The eyesight deteriorates with time and eventually leads to a complete loss of vision.

    The most common reason for developing cataract is old age or an eye injury that leads to changes in the tissue of the eye lens. However, cataract can also be developed due to medical conditions like diabetes, eye conditions like past eye surgery and long-term use of steroids. Moreover, genetic disorders can also increase the risk of developing cataract.

    Cataract is considered as one of the major reasons for bilateral blindness in India. But cataract can be treated before it leads to loss of vision with the help of cataract surgery.

    What is a Cataract Surgery?

    Cataract surgery refers to the procedure of removing the lens of the eye. In most cases, it involves replacing the eye lens with an artificial lens to restore the vision. It is the most common and the only way to remove the cataract from the eye.

    Cataract surgery is a safe procedure and is carried out by an ophthalmologist or an eye doctor. With the recent technological advancements, doctors now use laser technology for cataract surgery. The patient does not have to get hospitalized for cataract surgery as it can be done as an outpatient treatment.

    However, cataract surgery is expensive. Usually, cataract surgery for a single eye can cost somewhere between Rs 15,000 and Rs 30,000. The surgery cost can climb up to Rs 60,000 per eye if advanced technology is used for the surgery. Moreover, it also involves post-operative care, such as eye drops and medicines, that can increase the overall medical expenses. As a result, not everyone can afford cataract surgery easily.

    The only way to afford a cataract surgery without losing the savings is by buying a health insurance policy that covers cataract surgery. Several health insurance plans in India cover the cost of cataract surgery.

    Is Cataract Surgery Covered by Star Health Insurance?

    Yes. Star Health Insurance covers the cost of a cataract surgery undergone by the insured. Star Health and Allied Insurance Company provides coverage for cataract surgery under multiple plans, including Star Family Delite Insurance policy, Star Care Insurance policy, Star Family Health Optima policy, Diabetes Safe policy, Arogya Sanjeevani policy, etc.

    The Star Health Insurance policies provide coverage for cataract surgery up to Rs 30,000 per eye for each hospitalization or Rs 40,000 in a policy tenure. It covers the cost of the surgery, hospitalization as well as post-surgery expenses.

    However, Star Health Insurance plans in India cover the cost of cataract surgery after a waiting period of 2 years. Besides, the cover may also come with a sub-limit. For instance, the Arogya Sanjeevani policy covers cataract surgery subject to a sub-limit of 25% of the sum insured or Rs 40,000, whichever is lower.

    Precautions to Slow Down or Prevent Cataract

    Although there are no proven ways to slow down or prevent cataract, doctors believe the following precautions can help. Take a look:

    • Get your eye checked regularly to detect cataract at an early stage.
    • Follow your treatment procedure religiously if you have medical conditions like diabetes that can increase the risk of cataract.
    • Maintain a healthy diet that consists of a lot of fruits and vegetables.
    • Quit smoking or avoid it as much as possible.
    • Limit the intake of alcohol to the minimum to reduce the risk of cataract.
    • Wear sunglasses when stepping out in the sun to protect your eyes from ultraviolet B rays.

    In a Nutshell

    Cataract is a common disease among the elderly in India. It is essential to detect cataract at an early stage and undergo the surgery if it starts to interfere with the vision. Given the high cost of the surgery for each eye, it is advisable to buy a Star health insurance policy to cover the cost of cataract surgery without a financial burden.

    Search
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Health insurance articles

    Recent Articles
    Popular Articles
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    Annual Medical Check-ups in Health Insurance

    05 Jul 2022

    Regular health check-ups are important to keep a track of your...
    Read more
    Advantages and Disadvantages of Buying a Health Insurance Policy

    04 Jul 2022

    In India, healthcare is getting expensive with each passing day...
    Read more
    Does Health Insurance Cover Sports & Gym Injuries?

    27 Jun 2022

    Gone are the days when only athletes and professional sports...
    Read more
    Health Insurance for Rural India

    24 Jun 2022

    Healthcare is expensive in India and is increasing with each...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    How to apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)
    Ayushman Bharat health insurance is a flagship scheme launched by the Government of India, as per the...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Read more
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL