Importance of having Health Insurance before undergoing Cataract surgery
Eyes are among the essential organs of our body and allow us to see the world around us. People often get uncomfortable even if a single dust particle enters their eye, so it is obvious that they would be stressed about eye-related conditions.
Cataracts are one of the most common and prominent issues related to the eyes. It affects numerous people, especially the ones above 60, every year. In certain cases, people in their 40s and above are also affected by this condition and have to undergo cataract surgery. For relatively younger individuals, lifestyle habits and diabetes may cause cataracts.
If cataracts are not treated in time, then it can even lead to blindness. Hence, anyone suffering from this condition must try their best to get the necessary treatment as soon as possible.
Cost of cataract surgery in India
Much like many other types of surgeries, the expenses involved in cataract surgeries are also quite high. It can be a highly costly procedure especially if you stay in a large city, and desire to get this surgery done from a renowned hospital. The average costs involved in cataract surgery for a single eye may range between INR 15,000 to INR 30,000 (estimate). Surgeries where advanced techniques are used may incur greater expenses (up to INR 60,000, depending on the type of lens used).
Like any other major medical procedure, people ideally depend on their health insurance to cover the expenses incurred from cataract surgery.
Medical insurance in India and cataract coverage
While medical insurance in India does cover cataract surgery, not all plans provide such a coverage option. Hence, it is crucial that you carefully check out the inclusions in a plan prior to investing in it, to make sure that you are indeed buying health insurance covering cataract. Insurance policies with cataract coverage can save a good amount of expenses and reduce your financial strains. As this is a prevalent condition, it can be a prudent move for you, in the long run, to invest in a plan featuring cataract coverage.
Waiting period associated with cataract coverage
For all medical insurance policies, there typically is a waiting period linked with cataract coverage. This waiting period is for two years on an average. This means that you have to wait for the specified time period to be eligible to raise a claim. If you undergo cataract surgery prior to serving your waiting period, then your insurance company shall not be liable to honor your claim request.
Limit on claim amount
There could be a limit on the sum that you can claim as a reimbursement for your cataract surgery under the medical insurance cover. If you incur an expense that goes over that particular sub-limit, the extra amount has to be paid on your own. These sub-limits vary between insurance companies and plans. However, there are insurance companies and plans that do not have any limits on the claim amount, and pay for all the expenses incurred for a cataract surgery in full, up to the Sum Insured. This is one crucial factor you need to keep in mind when purchasing your medical insurance plan.
To make sure that you are investing in a medical insurance plan that covers cataract surgeries, you have to go through its policy documents carefully; especially the inclusion sections. However, all insurance policy documents are filled with jargons and complex phrases that can be extremely difficult to make sense of. This is where SANA.Insure can help.
SANA.Insure is a health insurance portal that explains complicated insurance terminology in an extremely easy and simple manner. Log on to sana.insure to know more about critical health insurance concepts, and to select, compare and purchase the right plan for you among hundreds of options.
If you have an existing health insurance policy, you can visit https://sana.insure/check-policy to key in some basic details and learn more about your plan, including clauses related to cataract surgery.
In case you have any problems or queries regarding health insurance claims for cataract surgery, then our Relationship Manager at SANA.Insure would always be happy to help you out. They can aid in coordinating with your insurance company to ensure a smooth claims process.
Get in touch with us over WhatsApp chat on 8278271818 or call us on 1800 202 8118 to connect with a Health Insurance Expert at SANA.Insure
Wish you a healthy and happy life!