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Is Cataract Surgery Covered Under Health Insurance? Updated [2022]

Why do you need health insurance for surgeries?

With the rising cost of healthcare services, purchasing health insurance is a crucial aspect to consider when planning finances. Moreover, considering the growing needs of the policyholders, health insurance companies are extending various insurance plans aimed at specific requirements.

Individuals can get financial coverage against various medical treatments, like cataract surgery, cosmetic surgery, congenital diseases, IVF treatment, and more by selecting the right insurance policy. Comprehensive health insurance plans offered by Bajaj Finance Limited are equipped to take care of medical expenses adequately.

What is the cost of cataract surgery in India?

At present, the only way to treat a cataract is through surgery. Determining the cost of eye cataract surgery and the correct time for surgery with help from your doctor is essential to plan your finances.

The average cataract or motiyabind operation cost usually ranges from Rs. 15,000 to Rs. 1 lakh. The cost of this operation can differ based on the lenses used, hospital and city.

Why is cataract surgery required?

When one’s eye lens becomes cloudy and opaque with age, the condition is known as a cataract. If not treated on time, cataracts or motiyabind can lead to blindness and is a common reason for blindness worldwide. Sometimes, eyeglasses are prescribed for near-sightedness caused due to a cataract. However, wearing glasses is a temporary relief and does not resolve the problem.

Most cataracts slowly develop and do not disturb eyesight initially. However, one should know about the signs and symptoms of cataracts. Some of which are discussed below:

  • Sensitivity to light and glare
  • Clouded, blurred or unstable and dim vision
  • Requiring brighter light for reading
  • Fading or yellowing of colours
  • Double vision in one of the eyes
  • Seeing “halos” through any of the eyes

Initially, cloudiness in the vision can impact a small part of the eye lens, and one may not be aware of their vision loss. However, as the condition progresses, it may cloud a significant portion of the lens and block the light from passing through.

Thus, the only proven treatment is the surgical removal of motiyabind. When the cloudy lens is replaced with an artificial one during the surgery, resulting in clear vision, however, if cataract surgery is delayed, it increases the grade of cataracts.

Based on the type of cataract grade, the procedure becomes risky. Besides, the progression of cataracts can lead to inflammation and increased pressure inside the eye. Both can lead to a complete vision loss if not managed on an emergency basis.

If the surgery is delayed, one can expect a longer recovery time of around 2-3 weeks for clear vision. In a nutshell, a cataract surgery should not be taken lightly, and it is wise to estimate motiyabind operation cost and avail of a health insurance policy to avoid any financial strain of this treatment.

Waiting period in cataract surgery

As per a report of investigative ophthalmology and visual science, cataract is the top reason for the increasing blindness in the country, affecting nearly 18 million people and accounting for 48% of world blindness. Individuals can conveniently get cataract surgery done by choosing the right health insurance for eye surgery to resolve this issue.

As a leading health insurance partner, Bajaj Finance Limited partners with some of India’s renowned names in the insurance business to offer a wide range of products for families, senior citizens, and individuals. Most of the policies have multiple daycare treatments covered, including cataract surgery costs. However, health insurance companies usually have a waiting period of up to 2 years for cataract associated treatments. Hence one must go through the policy documents and clear all the doubts before purchasing.

What would be the claim limit?

Apart from knowing the cataract surgery cost in India, it is also good to know that health insurance organisations set a claim limit for a cataract insurance policy.

Thus, leading insurance companies cover cataract surgery costs in their insurance plan. Therefore, before choosing a health insurance or family health insurance policy, make sure you know the cataract surgery cost in India and proceed with your policy selection accordingly.

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