Health Insurance for Cataract Surgery

Health insurance for cataract surgery provides medical coverage for the cost of cataract surgery in India. It covers the cost of the surgery, including doctor’s fees, OT charges, surgical appliance costs, etc. However, most health insurance plans provide insurance coverage for cataract surgery in India after a specific waiting period of 2 years.

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      What is Cataract Surgery?

      Cataract surgery is a corrective surgery that treats cataracts, i.e. clouding of the natural eye lens. Also known as lens replacement surgery, it removes the natural lens from the eye and replaces it with an artificial one to restore vision. Since cataract surgery does not require 24 hours of hospitalization, it is usually performed as a day care procedure.

      In India, it is common for people of 50 years and above to have cataracts. The chances of developing cataracts increase with age. If left untreated, cataracts can lead to partial or complete blindness and surgery is the only way to cure it.

      What is Cataract Surgery Cost in India?

      The average cost of a cataract surgery ranges from ₹50,000 to ₹1,20,000 in India. The price varies with the type of cataract surgery, your age, the city where you live, and the hospital you have picked. Check out the cost of different types of cataract surgeries in India:

      • Phacoemulsification Cataract Surgery - This type of cataract surgery costs around ₹40,000 for the affected eye.
      • Extra Capsular Cataract Surgery - The cost of this type of cataract surgery ranges from ₹40,000 to ₹60,000 for the affected eye.
      • Bladeless Cataract Surgery - As no incision is made, this type of cataract surgery is more expensive and can cost around ₹85,000 to ₹120,000.

      Note: The costs mentioned above can vary from one city to another and from one hospital to another.

      Who Should Buy Health Insurance for Cataract Surgery?

      Considering the high incidence of cataracts in India, people above the age of 50 years must have mediclaim for cataract surgery cover. Nonetheless, cataract surgery insurance coverage in India is a must for people with:

      • Diabetes
      • Hypertension
      • Family history of cataract
      • Excessive exposure to UV rays or ionizing radiation (like X-rays, cancer radiation therapy, etc.)
      • Eye injury, inflammation or surgery
      • Excessive smoking and drinking
      • Vitamin deficiency
      • Long-term consumption of corticosteroid medicines

      Benefits of Buying Health Insurance for Cataract Surgery

      Here are some of the key benefits of buying health insurance that covers cataract surgery:

      Safeguard Against Cataracts

      Cataracts are extremely common among the older population of the country. According to Health Ministry data, more than 83.4 lakh people underwent cataract surgeries in India in 2022-23. Since surgery is the only permanent cure for cataracts, buying cataract health insurance can help people stay financially prepared for cataract surgery-related expenses in future.

      Coverage for Cataract Surgery

      Cataract surgery is an expensive procedure that can cost lakhs of rupees, depending on the city, hospital, and the type of surgery. Moreover, the surgery cost can increase in future due to the ever-increasing medical inflation. With cataract eye operation covered in health insurance, people can undergo cataract surgery without worrying about paying the medical bills, as it will be covered by their insurer.

      List of Best Health Insurance for Cataract Surgery

      Check out the best health insurance for cataract surgery plans available in India:

      Cataract Surgery Health Insurance Plans Mediclaim Limit for Cataract Operation Entry Age
      Aditya Birla Activ Health Platinum Plan Up to ₹40,000, 2 years Adult: 18 years onwards
      Child: 91 days to 25 years
      Bajaj Allianz Health Guard Plan 20% of the SI or up to ₹1 lakh per eye Adult: 18 to 65 years
      Child: 91 days to 30 years
      Care Health Insurance Plan Up to ₹30,000 per eye or SI limit
      (depending on the plan variant)
      Adult: 18 years onwards
      Child: 91 days to 24 years
      Cholamandalam Flexi Health Supreme Plan Up to the SI limit Adult: 18 to 75 years
      Child: 91 days to 26 years
      Digit Health Insurance Plan Up to the SI limit Adult: 18 years onwards
      Child: 91 days onwards
      Future Generali Health Absolute Plan  10% of the SI or up to ₹2 lakh per eye Adult: 18 years onwards
      Child: 1 day to 25 years
      HDFC ERGO Optima Restore Plan Up to the SI limit Adult: 18 to 65 years
      Child: 91 days to 25 years
      ICICI Lombard Health AdvantEdge Plan Up to the SI limit Adult: 18 years onwards
      Child: 91 days to 30 years
      IFFCO Tokio Family Health Protector Plan - Adult: 18 years onwards
      Child: 91 days to 30 years
      Kotak Mahindra Health Premier Plan 10% of the SI or up to ₹1 lakh per eye Adult: 18 to 65 years
      Child: 91 days to 25 years
      Liberty HealthPrime Connect Plan Up to the SI limit Adult: 18 to 65 years
      Child: 91 days to 25 years
      Magma HDI OneHealth Insurance Plan Up to ₹1 lakh per eye Adult: 18 years onwards
      Child: 91 days to 26 years
      ManipalCigna SecureHealth Plan Up to ₹40,000 per eye Adult: 18 to 65 years
      Child: 1 day to 17 years
      National Parivar Mediclaim Plus Plan Up to ₹1 lakh per eye Adult: 18 to 65 years
      Child: 91 days to 18 years
      New India Assurance Atmarnirbhar Health Plan Up to ₹1 lakh per eye Adult: 18 to 65 years
      Child: 91 days to 25 years
      Niva Bupa GoActive Plan Up to the SI limit Adult: 18 to 65 years
      Child: 91 days to 21 years
      Oriental Youth Eco Care Plan Up to ₹1 lakh per eye Adult: 18 to 45 years
      Child: 1 day to 18 years
      Raheja QBE Health QuBE Plan Up to ₹50,000 Adult: 18 to 65 years
      Child: 91 days to 25 years
      Reliance Health Infinity Plan Up to the SI limit Adult: 18 to 65 years
      Child: 91 days to 25 years
      Royal Sundaram Lifeline Plan - Adult: 18 years onwards
      Child: 91 days to 25 years
      SBI Arogya Supreme Plan Up to ₹1 lakh per eye Adult: 18 to 65 years
      Child: 91 days to 25 years
      Star Family Health Optima Insurance Plan Up to ₹75,000 Adult: 18 to 65 years
      Child: 16 days to 25 years
      Tata AIG Health SuperCharge Plan Up to ₹1.6 lakh per eye Adult: 18 to 65 years
      Child: 16 days to 26 years
      United India Family Medicare Plan 10% of the SI or up to ₹50,000 per eye Adult: 18 to 65 years
      Child: 91 days to 17 years
      Universal Sompo A Plus Health Insurance Plan Up to the SI limit Adult: 18 to 75 years
      Child: 16 days to 25 years
      Zuno Health Insurance Plan Up to the SI limit Adult: 18 years onwards
      Child: 16 days to 26 years
      See More Plans

      Inclusions of Health Insurance for Cataract Surgery

      Cataract surgery insurance coverage includes the following:

      • In-patient hospitalization expenses
      • Day care procedures
      • Pre-hospitalization expenses
      • Post-hospitalization expenses
      • AYUSH day care treatments

      Exclusions of Health Insurance for Cataract Surgery

      The following expenses are not covered by cataract surgery medical insurance plans:

      • OPD expenses
      • Routine eye examinations
      • Non allopathic treatment
      • Unproven treatments
      • Dietary supplements and substances

      Precautions to Take After a Cataract Surgery

      Follow the precautions below after undergoing a cataract surgery:

      • Do not splash water in the eyes after the surgery
      • Do not rub your eyes
      • Use an eye shield at night for at least a week
      • Use eye drops suggested by your doctor
      • Use sunglasses or eye shield while stepping out in the sun
      • Use an eye shield to cover your eyes from soap and shampoo
      • Do not go swimming for at least 4-6 weeks
      • Do not go to dusty areas
      • Avoid using eye make-up for at least 4 weeks
      • Avoid lifting heavy weights or any strenuous exercise or work

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