Is Cataract Surgery Covered by Care Health Insurance?

Cataracts have been a common eye disease among old people. Thanks to advanced technology, a cataract can be treated with surgery. Since cataract surgery can be an expensive procedure, some Care health insurance policyholders wonder if their policy will cover the surgery cost. Read on to know if Care Health Insurance covers cataract surgery.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*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

Back
All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “CONTINUE”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      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

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      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
      Care Health Insurance Introduces New ‘Care Supreme’ with Comprehensive Coverage

      16 Nov 2022

      In a bid to provide world-class comprehensive coverage to people...
      Read more
      Sum Insured in Health Insurance: Meaning & Importance

      11 Nov 2022

      People who are new to the world of insurance may not understand...
      Read more
      How to File a Reimbursement Claim Under Health Insurance?

      03 Nov 2022

      The biggest reason for buying health insurance is to get financial...
      Read more
      Health Insurance Policies to Include Mental Health Coverage Before 31 Oct: IRDAI

      02 Nov 2022

      The Insurance Regulatory and Development Authority has directed...
      Read more
      Monkeypox: Dos and Don’ts of the Disease That You Should Know

      15 Sep 2022

      Monkeypox has slowly and steadily spread to more than 85 countries...
      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
      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 Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi...
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL