Is Cataract Surgery Covered by Care Health Insurance?

Commonly known as the clouding of one's lens, cataract has always been a common malady of old people. While old age brings it naturally in some, it can be triggered by injuries to the eye, diabetes, and more. Thanks to advanced technology, cataract surgery is covered under almost every health insurance plan in India. If you happen to have Care Health Insurance, you can rest assured that your parents' cataract surgeries will be covered along with other added benefits. Read on to know more about cataracts and what you can do to make them less expensive.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
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 a Cataract?

    Cataract is the clouding in the eye lens that reduces visibility of a person. As a person ages, the lens of their eye often becomes thicker because of deposits. This clouded and dense area makes the cornea opaque and reduces its flexibility.

    As per a survey conducted by the government, cataract surgeries emerged as the most commonly opted minor surgeries, especially in non-urban population. This throws a lot of light on the number of Indians who need this minor but much-needed surgical procedure.

    With approximately 12 million blind people in India, about 62.6% of all blindness is because of cataracts.

    Symptoms of Cataract

    Because of cataracts, a person gradually faces issues with vision as these lumps prevent from sending clear images to your retina. They can also cause partial or complete blindness if not treated properly on time. In such extreme cases, surgery is the best option for the person to restore their sight.

    While this disease is common in aging people, there are many instances where younger people may notice its beginning symptoms. Some of the most prevalent symptoms of cataracts can be:

    • Blurry vision
    • Occurrences of double vision in the problematic eye(s)
    • Faded and/or yellow appearance of colors
    • Problem seeing at night
    • Higher light sensitivity in case of brightness
    • Seeing halos around the light source

    Causes of Cataract

    While the chances of developing a cataract in our eyes increase gradually with our age, some other factors often accelerate and may contribute to these growths:

    • High blood pressure
    • Genetics (family history)
    • Consuming alcohol excessively
    • Deficiency (Vitamins)
    • Prolonged use of corticosteroid medicines

    With a cataract's growth, even basic activities like watching TV, reading fine prints, driving a vehicle, etc become very difficult. Thankfully, surgeries for cataracts have become extremely advanced and hassle-free.

    Why Ensure that your Health Insurance Covers Cataract Surgery?

    An ophthalmic surgeon can safely and quickly operate this cataract and replace your natural eye lens with an artificial lens. Depending on the cost of the lens, along with other factors, cataract surgery may cost anywhere between Rs. 15,000 and Rs. 1, 00,000.

    There are also significant changes in the surgery costs depending on what kind of surgery may be carried out. The surgeon will carry out tests like biometry, specular microscopy, OCT test, and others to determine the conditions of your eye.

    While most people may find a few ten-twenty thousand rupees affordable, there may be cases exceeding well beyond that threshold. Especially in case of complications, they may be pretty heavy on your pockets. Take a look at the costs of different types of cataract surgeries in India:

    • A phacoemulsification cataract surgery can cost around Rs 40,000
    • Extra capsular cataract surgery will cost anywhere between Rs 35,000 and Rs 60,000
    • Bladeless cataract surgery can cost up to Rs 85,000

    Surely, these are costs that not everyone can afford. Some households might even exceed their household savings that could have been saved thanks to a comprehensive health insurance plan.

    Does Care Health Insurance Cover Cataract Surgery?

    Luckily, most health plans including Care health insurance policy covers cataract surgery among others in the case of older parents.

    Some of the benefits of buying Care health insurance for parents include a lot of options for senior citizens. Make sure that this plan includes coverage for their pre-existing diseases and other diseases they might be susceptible to.

    Since cataract surgery is included among the daycare treatments; it is advisable that you opt for a senior citizen health insurance plan for your parents so that there is a higher sum insured along with additional benefits.

    There are Care Health Insurance plans offering cover for cataract surgery. A few of these are:

    • Care – Heart Plan: This plan offers coverage from Rs 20,000 to Rs 30,000 per eye for cataract treatment.
    • Care Freedom – Plan 1:This plan offers coverage from Rs 20,000 to 30,000 per eye but excludes multifocal lens implantation.
    • Super Mediclaim: This plan is available for individuals and families and covers cataract surgery only in its Operation Mediclaim variant.
    • Mera Mediclaim Combi Insurance: In this plan the coverage limit for Cataract surgery is up to Rs 20,000 to 30,000 per eye for cataract treatment.
    • Grameen Care: Cataract treatment (Unilateral, Cataract with IOL by Phacoemulsification-unilateral/bilateral) is available under daycare procedures/surgeries
    • Arogya Sanjeevani Policy: Cover for cataract treatment subject to a limit of 25% of SI or up to Rs 40,000 per eye, whichever is lower in a single policy year.

    However, please note that most health insurance cover for cataract have a waiting period ranging from 24 months to 48 months, depending on the health insurance plan you have purchased. Also, remember that all expenses incurred during the treatment of cataracts are subject to the sub-limits dictated by the policy you have opted for.

    Tips to Prevent Cataract

    Cataracts are very common and are likely to happen to many people. However, there are always a few precautions you can take care of so that the changes can be lowered:

    • Protect your eyes from UV rays by wearing sunglasses or using an umbrella
    • Include a lot of fruits, vegetables, and protein to have a balanced meal
    • Try to work out in order to maintain your weight with age
    • Make sure you get regular checkups, especially your eyes
    • Avoid smoking as much as possible

    To Conclude

    Most parents are monetarily dependent on their children in their old age. While it’s good to have them around, it is even better to see them healthy and vibrant without any health ailment causing too many issues. With affordable premiums and a lot of expenses covered, Care health insurance eases any burden arising due to day-care treatments and other post-surgery costs. So make sure you go through your options carefully and compare them online on Policybazaar before you decide on a health insurance plan for your parents.

    Written By: PolicyBazaar - Updated: 13 September 2021

    Health insurance articles

    Recent Articles
    Popular Articles
    Health Insurance Vs Medical Loan – Which is Better?

    16 Nov 2021

    Medical emergencies always come unannounced. With medical...
    Read more
    8 Important Tips to Maintain a Healthy Diet for Your Kids

    15 Nov 2021

    For a parent, nothing is more important than the well-being of...
    Read more
    PMASBY Scheme: All You Need to Know About Pradhan Mantri Atmanirbhar Swasth Bharat Yojana

    25 Oct 2021

    The PMASBY or the Pradhan Mantri Atmanirbhar Swasth Bharat Yojana...
    Read more
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Read more
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    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 2021
    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 or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Read more
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer: Which one should you get?
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer, the speculation continues regarding the difference between the...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Read more
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL