Is Cataract Surgery Covered Under Health Insurance?

Yes, you can get coverage for cataract surgery under your health insurance plan. However, some health insurance policies might not cover it, and some would include it. So, it should be checked properly in the policy details at the time of buying the policy. If you are already covered under a health insurance policy then you can check the same in the policy documents and list of inclusions.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
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 take any daily medication? Apart from vitamins & supplements
    Get updates on WhatsApp

    What is the Cataract Surgery Cost in India?

    In India, it is common to have cataracts among those who are 40 years and above. The chances of the disorder increase with the increase in age. In cataract surgeries, the average cost can range from Rs 35,000 to Rs 85,000 in India.

    The most common is the Phacoemulsification Cataract Surgery but there are also other types of cataract surgeries. You need to get it done based on what your doctor has recommended, your age, the city where you live, and the hospital you have picked. The cost of surgery also varies in India. We have mentioned below three different types of cataract surgeries in India:

    • Phacoemulsification Cataract Surgery- This type of cataract surgery costs around Rs 40,000 for the eye affected.
    • Extra capsular Cataract Surgery-The cost of this surgery will range from Rs 40,000 to Rs 60,000 for the eye affected.
    • Bladeless Cataract Surgery- As no incision methods are used, this type of surgery is new and technical. It can be more expensive than other surgeries and can cost around Rs 85,000 to Rs 120,000.

    However, the costs can vary from one city to another and from one hospital to another.

    Why is a Cataract Surgery Required?

    To treat cataracts in the eyes, surgery is recommended. With surgery, you can have a clear vision, and save yourself from any other repercussions.

    • Restores vision- Cataract surgeries are successful in restoring your vision and safety. With medical advancements, the process does not take longer than 30 minutes. There is no hospital admission and you need rest for few days. It restores your vision without any side effects.
    • Prevents from partial or complete blindness- If not treated the symptoms can get worse and can lead to partial or complete blindness. Therefore, if recommended one should always go for cataract surgery, be it you or your parents.
    • Improves the quality of life- Getting a cataract surgery will enhance your quality of vision and you will be able to lead a good quality of life without dependency on others, and have no problem watching Television as well.

    Waiting Period in Cataract Surgery

    Before filing a cataract surgery claim you need to serve the waiting period. Usually, most health insurance companies have a waiting period of 2-years for cataract-related treatments. But, make sure that you speak to your insurer or check the policy wordings at the time of purchase.

    What would be the Claim Limit?

    The Health Insurance Company decides the claim limit for cataract health insurance. You can check the policy inclusions and exclusions to know the limit up to which you can get compensation.

    Some insurance companies can have claim limits for cataract health insurance while some insurers might not have set any such claim limit. It is decided based on the sum insured and can be on a percentage basis. For instance, it can be 10% of the sum insured up to a maximum of Rs 25,000.

    Is Cataract Surgery covered under Group Health Plan?

    Yes, some group health insurance plans do cover surgery for cataracts. You can with your employer for the same or read the policy copy. There is a possibility that there might not be any waiting period in a group health insurance plan.

    FAQs

    Written By: PolicyBazaar - Updated: 23 July 2021
    Search
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    You May Also Want to Know About

    Top Maternity Insurance Plans

    Top Maternity Insurance Plans

    Top Maternity Insurance Plans Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood. Though rearing a child is an expensive affair and may require good financial backup to meet the requiremen...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance

    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance

    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain i.e. it will settle the claim or not. A customer spends premium annually which will cover his medical expenses but there’s always ...
    Best Health Insurance Plans for Senior Citizens in 2021

    Best Health Insurance Plans for Senior Citizens in 2021

    Best Health Insurance Plans for Senior Citizens in 2021 Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy adequate health insurance for your loved ones. And if they are your elderly pare...
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer: Which one should you get?

    Covaxin vs. Covishield vs. Sputnik vs. Pfizer: Which one should you get?

    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 efficacies of these COVID-19 Vaccines against the Coronavirus. If...
    Here’s the Difference between Health Insurance and Mediclaim

    Here’s the Difference between Health Insurance and Mediclaim

    Here’s the Difference between Health Insurance and Mediclaim Imagine you’re looking for a job change. You get an interview call for a job. What will be your plan of action? Will you get your resume ready and prepare for the interview or you wi...
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL