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.
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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:
However, the costs can vary from one city to another and from one hospital to another.
To treat cataracts in the eyes, surgery is recommended. With surgery, you can have a clear vision, and save yourself from any other repercussions.
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.
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.
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.
It is not necessary, but people with high diabetes then you have higher chances of getting a second cataract.
People above the age of 50 years are more prone to cataracts.
Yes, there can be a waiting period of 30 days to 45 days. However, this depends on your insurance provider. Some insurers do not have any waiting period and cover cataract surgery from Day 1.
Yes, if your existing policy does not cover it, you can buy it as a separate add-on cover.
People with cataracts need to undergo surgery in most cases as it is safe and improves vision without any complications.
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