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Can you get compensation for cataract surgery under your health insurance plan? Is cataract surgery covered by medical insurance? If you want to know more about it, read on.
Many people, especially the elderly suffer from the condition of cataract in their eyes, which require immediate attention and surgery. Now the general perception is that health insurances do not offer coverage against cataract. So, a common query Is cataract surgery covered by insurance is observed? The fact is most health insurance providers allow protection against cataract surgery, with exceptions of some.
So, there are some health plans that do not cover you against cataract, while there are others under which you can avail such coverage. Thus, the insurance policy seeker must check the policy and its coverage well to know if it allows protection against cataract. This can be checked by reading the policy documents carefully and checking the various inclusions available under the policy.
Now, considering the rising inflation in the cost of healthcare facilities in the country, the cataract surgery cost in India has also gone high. Since cataract is a common problem among elderly and people above the age of 40 are prone to this medical condition, so they want cataract to be included under their health policy. Further, the chances of Cataract rises as we age, so it becomes difficult for the elderly to spend a sum of over 35,000 to 85,000 rupees for the treatment of cataract and cataract surgeries in India during their old age.
Cataract can be removed by various kinds of surgeries and most widespread among them is the Phacoemulsification Cataract Surgery. However, depending on the condition of your eyes and the recommendation of your doctor, you can choose the best surgery suiting your needs. Various factors, such as age, your location, the hospital where you are going to undergo the treatment etc. decide the kind of surgery that you must choose. Further, even in India, the surgery cost might vary depending on the city where you are living in.
Below are some of the popular cataract surgeries that takes place in India:
Cataract Surgeries are required to treat cataract in your eyes. Surgery is regarded as the best way to treat the condition of cataract. With Cataract surgery the patient gets clear vision back without any consequences.
Here are the important facts due to which cataract surgery is needed:
Yes, like in the case of other diseases, the waiting period before you could file a claim for cataract surgery has to be served by the policyholder. In most cases, this waiting period is 2 years in case of health insurance companies. However, it might differ depending on the insurer that you get the policy from.
The claim limit of insurance for cataract surgery under a health insurance policy is normally decided by the Health Insurance providers. It is easy to know the limit by checking the policy inclusions and exclusions so that you know how much compensation can be availed by you under your policy. In most cases, the sum insured becomes the deciding factor that decides the claim limit. So, it can be 10% of SI or up-to 25,000 rupees.
Yes, in many cases cataract surgery insurance is available under group health plans. This again depends on employer to employer. Further, the waiting period and other things can also be clarified by means of the policy document. So, you need to read the policy document properly before buying the policy.
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
New India Assurance is a leading name in the general insurance industry. It offers a range of health insurance products and its senior citizen health insurance policy is one of the best health insurance for senior citizens. The policy can be taken by any individual in the age bracket of 60 years and 80 years. Renewals under the plan, however, are not allowed lifelong. The maximum cover ceasing age is 90 years. Know more about its features, coverage, discount, claim process etc.
There was a time when having a health insurance was considered as a symbol of opulence. The rich and famous could afford buying insurances and the common middle class people never considered it as a necessity. However, things have changed entirely now and almost everyone with a decent job and salary wants to buy an health insurance to cover himself/herself as well as to cover his/her family so that they don’t have to undergo any untoward situation due to lack of funds in case of any medical emergency. And since medical emergencies can knock anyone at any time, it is important for everyone to have a medical insurance for self and for family.
It will be a blunder if you believe that you don’t need a health plan because you are currently healthy. Nothing is static, and nor is your health. The current lifestyle adaptation has significantly risen to numerous health problems, and you can never negate the possibility of accidents and other unprecedented injuries and emergencies. So, it is best to keep your resources ready at hand to overcome such difficult situations, and a health insurance plan is an answer to this. As innumerable companies are functioning to offer the best plans to suit your varying needs, you must compare health insurance policy in India before buying.