You need health cover regardless of what you take two at a time - pills or stairs.
  • Health Insurance For A Cataract- Why You Need It

    Black, brown, green, gray or blue..whatever the colour, our eyes are considered our most valuable asset. Often called the ‘windows to the soul’ by the more poetically inclined, our eyes are vital in perceiving the world around us. And like any precious asset, we protect them behind UV sunglasses and under hats to ensure they are functioning optimally. However, ageing is the one weapon against which we have no protection. The ageing process leads to certain conditions like far sightedness, which can be corrected with prescription glasses, and the more serious ailment referred to as a cataract.

    Cataract operations tend to afflict individuals health insurance in the prime of their life and are sometimes a last resort in an effort to ensure the individual can see. A clouding of the lens in the eye characterises a cataract, which is generally brought on by age, but could be exacerbated by smoking, prolonged exposure to the sun and diseases like diabetes.

    And like most surgeries, cataract operations come with a hefty price tag. While the price has come down thanks to advances in surgical sciences, an average cataract surgery for a single eyes can set you back by as much as Rs.30,000. Depending on the type of lens selected, this could go up to as much as Rs.50,000 per eye. Factor in post-operative care like prescription eye-drops and this could rise to quite a sum.

    With a host of payments to make in the prime of one’s life, having to shell out for a cataract surgery is often an added burden. To save you from paying a lakh to restore vision to your eyes are health insurance companies, who now cover the cost of cataract surgeries under their health plans.

    Health Cover For Cataract Operations:

    Insurance companies cover cataract operations under their policies, subject to certain terms as mentioned below:

    Waiting Period - insurance companies that cover cataract operations have a waiting period of around 2 years before a claim relating to a cataract surgery will be settled. Insurers take this step in order to protect themselves from policyholders whose only reason for taking the health insurance policy is to fund the cost of a cataract operation.

    Limit on Claim Amount - in cases where policyholders choose an expensive lens, insurance companies do not want to go out of pocket due to cataract surgery reimbursements. For this reason, they have a limit on the amount that can be claimed as reimbursement for a cataract surgery. Insurers have different limits on the amount that can be claimed towards cataract surgery. For example, Apollo Munich does not have any limit while Bajaj Allianz has a limit of either 10% of the Sum Assured or Rs.35,000, whichever is lower.

    Pre and post-operative care in the form of special glasses, medication etc. is not covered by the insurance policies in the market at present, so policyholders will have to pay for these on their own.

    So if you require a cataract surgery in the near future, rest assured that your health insurance provider will cover a portion of the cost.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Importance of Cataract Health Insurance Plan Reviews

  • Page 1 of 2 1 2
    • Oriental Insurance Health Insurance
      "Nice"
      0.5 4.0/5 "Great!"
      Providing cashless , high coverage with minimum premium all these are plus points . I had taken two policies one for individual and another for my family. and i also claimed for my father cataract surgery . which is done as cashless pay just using the card , i will recommend this for health insurance
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 06, 2016
    • United India Health Insurance
      "Worssstttttt ever insurance"
      0.5 0.5/5 "Unacceptable"
      I am about to do my vision correction get covered under my health insurance policy in united India. I was advised for both lasik and ICL treatment in each eye to correct my vision. My hospital management clarified that LASIK may not be covered by insurance yet ICL(implantable contact lenses) is covered under the policy since the process I very similar to IOL done for cataract surgery. I have went in person to know about the policy coverage to most branches in every nook and corner of the city, still I didn't get a proper response to my question from any of the staff. They say that they don't have updated circulars which state the inclusions and exclusions clearly. I wonder what's more important than updating the inclusions and exclusions in a insurance office?? It's clear that my treatment can be covered under my plan but they mostly try to avoid every claim. What are they trying to hide!!! I'm claiming my money I paid these years!! Worsst experience! I don't recommend
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 15, 2016
    • Royal Sundaram Health Insurance
      "Satisfied..."
      0.5 3.0/5 "Satisfactory"
      Made two claims one is for cataract for my father and another is for kidney stone. As this health insurance is from my company side so all the things are covered. Parents are covered by default if the policy holder is unmarried. For ICU they are paying only 1800 per day as atleast they have to give 5 to 6k. Second thing even for implants and some products Royal Sundaram recommending for sub standard quality.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 02, 2016
    • New India Health Insurance
      "Satisfied..."
      0.5 4.0/5 "Great!"
      I have a credit card of Citibank and from that I got this health insurance at New India Assurance. Medical coverage value is three lakhs. Premium is one time where I paid 13 thousand for two years. They said that kidney stones, cataract and some other disease will not covered. Pre existing diseases are not covered since the day one as they cover only after two years. Above 55 age they cover only limited diseases.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 02, 2016
    • Apollo Munich Health Insurance
      "Fare service "
      0.5 3.0/5 "Satisfactory"
      The service provided was quite good.The coverage amount offered for the Insurance is around 5lakhs.There are certain conditions which are not discussed with the customer at the time of purchase of Insurance with Apollo Munich.In case of cataract operation they have a condition that the customer need to have a tenure of 2years.
      Was this review helpful? 2
      , ranchi
      Reviewed on Feb 20, 2016
    • ICICI Lombard Health Insurance
      "Excellent...."
      0.5 5.0/5 "Blown Away!"
      Coverage is near about 1lakh and 25 thousand and this health insurance is for my entire family members. Various diseases are covered by ICICI Lombard but there is some cap for few disease like cataract and maternity. This health insurance is offered by my company and I am not paying anything.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 28, 2016
    • Max Bupa Health Insurance
      "Settlement rate is amazing.."
      0.5 5.0/5 "Blown Away!"
      Very good in service and very good in claim settlement. Also benefits are really good with Future Generali General insurance. Being a private insurance company they are competitive in settlement. And they are very fast in responding the clients. I think cataract is not covered and apart from that pre existing diseases are not covered for four years.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 23, 2015
    • Cigna TTK Health Insurance
      "Can be more interactive..."
      0.5 4.0/5 "Great!"
      I haven't gone for claim with Cigna TTK whereas they are not providing reimbursement for cataract and plastic surgeries. Better they can atleast cover 50% for above said things. According to my knowledge 5lakhs is the medical coverage. I am using Cigna TTK for some quite long time so the coverage is high for an individual. Cigna TTK is not much interactive.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 22, 2015
    • Cigna TTK Health Insurance
      "Corporate offer for me.."
      0.5 3.0/5 "Satisfactory"
      I am paying for my parent and till now never used the health insurance services. Medical coverage is little less in Cigna TTk as some diseases are not included in the list. Cataract, dental and ear related disease will not be covered. As this is a corporate offer.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 22, 2015
    • ICICI Lombard Health Insurance
      "Very good.."
      0.5 4.0/5 "Great!"
      Dengue is not included in the health insurance list and plastic surgeries are not covered. Maternity is being covered and ICICI Lombard is giving 100% of coverage. Cataract is also covered. Coverage amount depends on company to company and my company is giving 2lakhs for my family members. If the employee is married they include spouse two children and parents of the employee.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 15, 2015
    • National Insurance Health Insurance
      "Satisfied"
      0.5 4.0/5 "Great!"
      Almost all the critical illness are being covered by National Insurance. As this is a corporate health insurance plan so for cataract they are just giving 50% of coverage. They have cap on the coverage amount. Incase of c-section the coverage is 25k and for normal delivery it is 20k.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 14, 2015
    • United India Health Insurance
      "Satisfied..."
      0.5 4.0/5 "Great!"
      United India Insurance is covering my whole family members under the health insurance and the medical coverage is about 5lakhs. Cashless benefits are very good. Dental and cosmetics are exceptions as they donâ??t cover. Cataract will be covered under some restrictions.
      Was this review helpful? 1
      , mumbai
      Reviewed on Oct 07, 2015
    • Bajaj Allianz Health Insurance
      "Very good.."
      0.5 4.0/5 "Great!"
      There are many things that Bajaj Allianz general insurance is covering on health insurance. Cataract is covered and they are providing 35k of coverage for the same. I think the total coverage is of 4lakhs. If we are hospitalized then we can use their services and they included dependents though being a corporate offer.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 07, 2015
    • ICICI Lombard Health Insurance
      "Fine to have.."
      0.5 3.5/5 "Pretty good"
      Dental is not being covered under health insurance as that is a main concern for me. ICICI Lombard have good network hospitals for cashless. Cataract is not covered and eligibility to get the health insurance is that customer should be hospitalized for more than a day. 3lakhs is the coverage amount and online services are good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 01, 2015
    • Max Bupa Health Insurance
      "Average.."
      0.5 3.0/5 "Satisfactory"
      All health related issues are covered and accidental policies are also good in Max Bupa. On first year onward they are covering pre existing diseases. Cataract and dental are exceptions on the health insurance. They donâ??t provide no claim bonus. What I suggest for Max Bupa is they should upgrade their policies as other companies are providing much better polices.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 28, 2015
    • National Insurance Health Insurance
      "Cataract is also included recently.."
      0.5 4.0/5 "Great!"
      Health insurance of National Insurance was done by my company and coverage is almost of 4lakhs. Incase the customer is hospitalized of 24 hours then National Insurance covers all medical expenses like clothing, food and ambulance. Recently they also added cataract under their list as we can benefited. There is no need of medical check up and this is because of corporate offer, I believe.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2015
    • Apollo Munich Health Insurance
      "Average..."
      0.5 3.0/5 "Satisfactory"
      For me in Apollo Munich the medical coverage is 3lakhs but they are not covering hundred percentage. Ambulance charges are not covered but they are covering for food. I had admitted my father for cataract operation and I spend around 38k wherein they reimbursed only 28k. I think they are covering for ear diseases as well on the health insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 12, 2015
    • ICICI Lombard Health Insurance
      "Comfortable banking"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance with ICICI Lombard. It provides a coverage for 5 lakhs it provides medical benefits as well. I am holding this insurance for 3 years. In case of any critical illness this would be of great help. I am not paying premium at present and it provides coverage critical illness and it also provides coverage when it comes to eye cataract surgery as well.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 17, 2015
    • United India Health Insurance
      "Very good...."
      0.5 4.0/5 "Great!"
      Cashless treatment is fine United India Insurance where I claimed for cataract operation and for maternity. In United India Insurance, they are covering hundred percentage for maternity. So far no single issue and coverage is based on the pay employee as it is a corporate offer. List of cashless hospitals are mentioned on the site and we can go accordingly. Almost they are covering all the critical illness in health insurance.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Jun 13, 2015
    • Apollo Munich Health Insurance
      "Good...."
      0.5 4.0/5 "Great!"
      So far I have no claim experience with Apollo Munich on health insurance but going to claim for maternity where the coverage would be of only 2k.Also some diseases are not covered like cataract. I did not include my parents where my spouse is only the dependent. I guess the coverage is of 80% and documentation procedures are long.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 08, 2015
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