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Health Insurance 1303 views March 27, 2021
Cataract remains one of the major eye-related conditions that can lead to partial or permanent blindness if left untreated. According to a report, catraract has affected around 74% of the Indian population aged above 60. To remove cataract, people go for surgery which has a fairly high success rate. But a cataract surgery can cost from INR 10,000 to INR 1 lakh depending on the location, type of lens implanted and type of surgical procedure chosen. If an individual chooses advanced procedures like bladeless cataract surgery, the cost could go up to INR 60,000 for one eye. But a health insurance plan covers the expenses incurred on cataract surgery and helps you stay away from any financial worries. In this article, we will cover some of the popular health insurance plans that cover cataract surgery so that you can make the right decision. So, let’s start!
Table of Contents
As we mentioned earlier, you can prevent yourself from spending towards cataract surgery treatment with a health insurance plan. And you have some choices to make as there are multiple plans for you. We’ll show the Cataract Cover across health insurance plans from Star Health, HDFC Ergo, Bajaj Allianz, ICICI Lombard, etc. To know more, check the below table.
Health Insurance Plan | Cataract Surgery Claim Limit | Waiting Period |
---|---|---|
ICICI Lombard Complete Health Insurance | Coverage up to INR 20,000 per eye during each policy year for sum insured up to INR 5 lakh Coverage up to INR 1 lakh per eye during each policy year for sum insured of INR 7 lakh and above | 2 years |
Star Health Senior Citizen Red Carpet Policy | Coverage up to INR 40,000 per policy period for an individual plan Up to INR 70,000 per policy period on a floater basis | 2 years |
Bajaj Allianz Health Guard Plan | Cataract surgery coverage per eye up to 20% of sum insured (Silver plan) Cataract surgery coverage per eye up to INR 1 lakh (Gold plan) | 2 years |
HDFC ERGO Optima Senior Plan | No Sub-limit on the cataract coverage | 2 years |
Care Freedom Plan | Coverage up to INR 20,000 per eye ( for sum insured of INR 3 lakh) Coverage up to INR 30,000 per eye (for sum insured of INR 5, 7 and 10 lakh) | 2 years |
So, these are some top health insurance plans with which individuals can receive coverage for cataract surgery. However, you should remember to look at other features of the respective plan according to your needs.
As you can also see in the table mentioned above, it has a column for the waiting period. A health insurance plan that covers the expenses incurred towards cataract surgery comes with a waiting period of 24 months (2 years).
It means when you choose a health insurance policy, it will not provide any coverage for cataract surgery from the date of start of the policy. After the waiting period is over, you will be able to file a claim for expenses on the said treatment. So, if you are looking to get a health insurance plan with cataract surgery coverage, buy it during the initial years of your life.
Note: The waiting period may change from one health insurance plan to another depending on the chosen type.
Health insurance companies generally put a specific limit on cataract surgery coverage that may change from one health insurance plan to another. Considering this, you should choose the health insurance plan that provides you higher sub-limits on cataract surgery coverage. You should also remember that getting a high sum insured doesn’t mean a high coverage on cataract surgery. Let’s understand this with an example!
Let’s say you have a health insurance policy with a sub-limit of 20% for cataract treatment. So, if your overall sum insured is INR 5 lakh, the company will provide coverage up to INR 1,00,000 for your cataract surgery.
Now that you have the necessary information about the health insurance plans with Cataract surgery coverage, you should also know about Cataract symptoms. Identifying them at an early stage helps you in better treatment. We are showing them below. Have a look!
Other than symptoms, a Cataract can be of multiple types depending on the cause and affected part of the eyes. We are showing some below. Do check!