While cataracts are minor operations that require 15 to 30 days for recovery, the cost of this surgery, like any other medical expense, is on the rise. Since health insurance provides financial coverage for medical treatments, the question of whether or not it covers cataract surgery does arise.
Find out the answer and more information on this topic in the following article.
Does Health Insurance Cover Cataract Surgery?
Yes, generally, many health plans include cataract surgery as part of their coverage. Trusted insurers provide this benefit up to the sum insured, provided the insured individual receives written advice from a medical practitioner.
So, you can expect cataract surgery to be covered as part of a Parent health insurance policy, which will financially benefit you when this surgery is most required.
Is there Any Waiting Period in Medicare Coverage for Cataract Surgery?
In the case of cataract health insurance, the waiting period differs from one insurance company to another. You have to go through the policy wording to understand the waiting period clause in your policy, but generally, the waiting period for cataract surgery is 2 years.
Health policies come with a waiting period, and there is no exception to this. The waiting period can be described as the period within which you will not be able to claim any policy coverage; you will have to wait for that specific period to be over before you can raise a health insurance claim. The waiting period for different illnesses is different, and it generally ranges between 3 to 60 months.
This means you can only get coverage for cataract surgery after 2 consecutive years of having your health insurance policy.
Cataract Surgery Types in India
- Phacoemulsification  – This is the most common cataract surgery in which a corneal incision is made to replace the lens with an intraocular lens.
- ECCE  – Extracapsular Cataract Extraction is a complex cataract surgery in which large incisions are made to remove the cataract in intact form.
- Intracapsular Cataract Surgery  – In this cataract surgery, extensive incisions are made to remove the lens and its surrounding capsule to insert the intraocular lens in the front part of the iris.
- FLACS  – Femtosecond Laser-assisted Cataract Surgery is an advanced surgery in which the laser is used to break the lens and insert the intraocular lens.
Why Opt for Cataract Surgery Health Insurance?
The cost of cataract surgery is based on different factors, like your location, the type of surgery, and the lens types implanted. While it ranges between ₹10,000-₹1,00,000, prices in metropolitan cities can be on the higher end.
Opting for the best health insurance for cataract surgery is a wise decision that can help you financially protect your family from such exorbitant medical expenses.
Conclusion
Now that you know that health insurance policies cover cataract surgery, you should look for one with a reasonable premium that will protect you from the cost of this surgical procedure. Since you never know when this eye condition can develop, you should start planning early by investing in the right health policy.
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