Is Cataract Surgery Covered by Health Insurance?
Cataract surgery health insurance is the health insurance plan that offers coverage for the costs related to the cataract surgery, like the processes itself, pre-and post-operative care, and related expenses, which helps a person manage the financial burden of this common eye condition. Consider factors like coverage and benefits, policy premium and affordability, and other things while you buy Cataract surgery health insurance. To choose the best health insurance for cataract surgery, check for factors like Extent of Coverage, Lens Options, Pre- and Post-Operative Care, Hospital Network, Cashless Facility, Premium Cost, Sum Insured, Waiting Periods, Co-payment and Deductibles, Tax Benefits, and other factors.
You may wonder is cataract surgery covered by health insurance in India. Not all health insurance plans cover cataract surgery and health insurance for other conditions; only a few health insurance plans cover cataract surgery. Know what health insurance covers cataract surgery when you buy a plan. Check once does regular health insurance cover cataract surgery is included in your plan. Cataracts health insurance helps cover cost of cataract surgery, thus helping lower the out-of-pocket expenses for the surgery. Star health insurance cataract surgery limits can differ based on the particular plan and might include a sub-limit or waiting period.
Your Guide to Cataract Surgery Coverage in Health Insurance
What Is a Cataract?
A Cataract is a clouding of the lens in the eye, which is caused by protein buildup in the body. Finally, this leads to reduced vision and loss of sight if left untreated. Cataracts can be surgically removed through a Day Care procedure that restores vision.
Is cataract surgery covered by health-insurance?
Yes, several health insurance plans in India cover the cost of cataract surgeries. However, they often possess a claim limit and a waiting period, besides other specifications.
Is cataract surgery covered by private health insurance?
Yes, in general, cataract surgery is covered by some private health insurances in India, but their coverage varies between policies. Many health insurances cover cataract surgery following a waiting period of 1 or 2 years.
What health insurance covers cataract surgery?
Many health insurance plans cover cataract surgery. In some cases, you may know which insurance cover cataract surgery, but you lag in finding the best one. However, for selecting a health insurance policy for cataract surgery, you can consider things such as:
- Coverage limits per eye.
- Coverage limits per policy period.
- Network hospital options.
- Waiting period for pre-existing illnesses.
- Insurer's credibility
- Sum insured that determines the coverage limits.
- Service quotient
Check what insurance covers cataract surgery considering all these factors before you buy a suitable one.
Does Mediclaim cover Cataract Surgery?
A few mediclaim policies cover cataract surgery, but not all. The cataract surgery insurance coverage in India is needed for people with:
- Diabetes
- Family history of cataract
- Hypertension
- Excessive exposure to UV rays or ionizing radiation (such as cancer radiation therapy, X-rays, etc.)
- Excessive smoking and drinking
- Eye injury, inflammation, or surgery
- Vitamin deficiency
- Long-term consumption of corticosteroid medicines
How is cataract surgery covered by insurance?
Mostly, the health insurance covers cataract surgery following a waiting period of 1 or 2 years. The cataract surgery covered by insurance mainly depends on the below factors:
- Coverage
- Waiting period
- Policy terms
- Add-ons
- Claim process
- Cost
During the time you choose a health insurance plan, you may find an answer to the question: Is cataract surgery covered in health insurance? At that time, also check the above factors concerned with the cataract surgery insurance.
Does insurance cover cataract surgery in India? Is cataract surgery covered by insurance in India?
Yes, many health insurance policies in India cover cataract surgery. But, their coverage can differ, so review your policy documents or consult a health insurance calculator before you choose them.
Types of Cataract
There are three primary types of Cataracts:
- Nuclear Sclerotic Cataracts – This type of Cataract progresses slowly and takes several years of gradual development before it begins to affect vision.
- Cortical Cataracts – People with Diabetes are at risk for developing cortical Cataracts.
- Posterior Subcapsular Cataracts – People who use steroids, Diabetic, extreme nearsightedness and/or Retinitis Pigmentosa may develop this type of Cataract.
Signs of having Cataracts
You may encounter the following symptoms:
- Your vision is cloudy or blurry.
- Colours look faded.
- You can’t see well at night.
- Lamps, sunlight or headlights seem too bright.
- You see a halo around lights.
- You experience double vision (this sometimes goes away as the Cataract gets bigger)
- Consult with your ophthalmologist periodically for power correction and change your glasses if needed.
Cataract risk factors
Some risk factors influencing the development of the disease can be,
- Ageing
- Diabetes (Cataracts can form earlier if you have Diabetes)
- Family history of Cataracts at a young age
- Years of excessive exposure to the sun and UV rays
- Smoking
- Obesity
- High blood pressure
- Past eye injury or inflammation
- Previous eye surgery
- Steroid medication use
Ways to prevent your Cataracts from getting worse
Here are some ways to prevent your Cataracts from progressing,
- Have regular eye exams.
- Watch your blood sugar levels if you have Diabetes.
- Quit smoking.
- Reduce alcohol consumption.
- Eat a balanced diet and foods containing antioxidants.
- Wear sunglasses.
Diagnosis of Cataracts
Your doctor will examine your eyes and analyse your medical history and symptoms to see if you have a Cataract. Your doctor may conduct several tests – Visual acuity test, Slit-lamp examination, Retinal exam and Applanation tonometry.
Treatment of Cataract
According to 2017 review of studies published by the National Institutes of Health, the only available treatment for Cataracts remains surgery.
When can you have the Cataract surgery?
The right time for Cataract surgery is when your Cataracts interfere with your quality of life and glasses and/or contact lenses no longer satisfy your visual needs.
How much does Cataract Surgery cost in India?
The average Cataract surgery cost in India varies depending on the location, types of lens implanted and surgical procedures involved. The surgery costs may range from Rs. 10,000 to Rs. 1,00,000. If undergoing surgery in metropolitan cities, the costs may be higher.
Cataract surgeries involving advanced techniques are often costed higher. Post-operative medications and care can add up to the sum.
Why do you need to buy Health Insurance for Cataract Surgery in India?
Over time, Cataracts become worse and interfere with vision. Cataracts occur not only in old-aged adults but in younger people, too. Injury, certain medications and genetic conditions can result in Cataracts among youngsters.
There is no natural cure for Cataracts apart from surgical treatments. Moreover, untreated Cataracts can end up with partial or complete blindness. Cataract surgery successfully restores vision without any side effects.
Savings are essential for everyone, regardless of earnings, spending patterns or stages of life. Health Insurance policies with Cataract coverage can help you save your lifetime savings. Reputed insurers offer Health Insurance policies which cover the cost of Cataract surgeries under their affordable health plans. Some insurers cover Cataract treatment under specific diseases category after certain waiting periods.
If you purchase a Health Insurance Policy with Cataract coverage when you are young, you can claim the Cataract coverage in the later stages of your life if needed. However, before availing a Health Insurance policy, read the terms and conditions related to the coverage.
Star Health Insurance offers Senior Citizen Red Carpet Insurance Policy, which takes care of the healthcare needs of senior citizens in the age group of 60 to 75 years. This plan covers Cataract surgery up to specific limits based on Sum Insured options.
Star Comprehensive Insurance Policy and Star Health Premier Insurance Policy also cover the cost of a Cataract treatment up to the limits mentioned in the policy. For more information on the coverage, read the policy wordings and clauses.
Conclusion
A Cataract is one of the most common eye surgeries undertaken by many individuals. A Health Insurance plan with extended coverage can easily get your vision back without having to spend much out-of-pocket. Knowing the terms and conditions of the policies, you can take a selected Health Insurance plan for your Cataract surgery.
HELP CENTRE
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FAQ
Is cataract surgery covered by Star Health Insurance?
<p>Yes, many Star Health Insurance policies cover cataract surgery, but not all. These coverages vary by policy.</p>
Does regular health insurance cover cataract surgery?
<p>Yes, several health insurance plans cover cataract surgery, but only after a waiting period of 1 or 2 years.</p>
Is cataract surgery covered by medical insurance in India?
<p>Yes, many government and private health insurance policies in India cover cataract surgery.</p>
Is laser eye surgery covered by Star Health Insurance?
<p>Yes, Star Health Insurance coverage includes LASIK eye surgery at network hospitals. Coverage includes the surgery cost, diagnostic screenings, and post-surgery follow-up consultations.</p>
Is laser eye surgery covered by private health insurance?
<p>Yes, some private health insurances may cover laser eye surgery, but they are based on the policy and some conditions.</p>
Is eye operation covered in health insurance?
<p>Yes, some health insurance can cover a few eye operations, but it is based on the type of surgery, the insurance policies, and the patient's conditions.</p>
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The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply.